Life Insurance for those with diverticulitis may be available at normal terms, depending upon the severity of your symptoms. For those who experience few symptoms of diverticulitis and are able to successfully control the condition over time through diet control and mild painkillers, standard terms for Life Insurance could be available. If you have had severe symptoms of diverticulitis within the last couple of years or have required surgery for the condition, it is possible that the insurer will offer Life Insurance at non-standard terms in the form of a premium increase.
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Critical Illness Cover
Critical Illness Cover when you have diverticulitis may be possible depending on the severity of the condition, i.e. how much of your bowel is affected. Where symptoms are mild and have not caused any significant impact to your health recently, it is possible that Critical Illness Cover could be available at normal terms. If you are currently taking medication to control the symptoms of the diverticulitis or have had recent flare ups of the condition, the insurance provider may ask to see a report from your GP to confirm your present state of health. This should cause you no concern as this will be arranged at the insurers own expense. If you are due upcoming surgery for the diverticulitis it is likely that your application for Critical Illness Cover will be postponed by most standard insurers, until you are fully recovered.
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For those who have not had symptoms of diverticulitis for some time, it is possible that Income Protection could be available at normal terms. Terms for Income Protection will be dependent upon the severity of your condition, the time since you last experienced symptoms and if the diverticulitis has caused you to have any time off work. For those with more severe or recent episodes of diverticulitis, Income Protection may come at non-standard terms, in the form of a premium increase and/or claim exclusion.
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For those who find that the terms on offer for Income Protection do not meet their needs, it is worthwhile considering Accident, Sickness and Unemployment cover. This type of policy can provide you with short-term income protection of between 12 and 24 months, if you are unable to work due to long-term disability, injury or are made involuntarily redundant. Accident, Sickness and Unemployment policies are not medically underwritten at the time that you take out the plan, so the diverticulitis will have no impact upon the policy terms. However, if you do become unable to work, claims related to diverticulitis will be excluded on most policies.
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