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Life Insurance

Life Insurance for people with Ehlers-Danlos Syndrome is generally available at non-standard terms with small premium loadings where the condition is well controlled. The insurance provider that you apply to for Life Insurance will want to see a report from your GP about your health. If the symptoms that you experience are severe and/or there are other contributory conditions that you are diagnosed with it is possible that the insurer may place a higher premium loading on the policy.

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Hypermobility Syndromes Association (HMSA)

Members of the Hypermobility Syndromes Association (HMSA) often contact us to ask us whether we know where they can get affordable insurance cover for travel abroad. It is always shocking to hear of the high costs being quoted to members who have Marfan syndrome or Osteogenesis Imperfecta or the Ehlers-Danlos syndrome subtypes. Cura offers a comprehensive cover without penalising members of the HMSA for having genetic conditions. This is why the HMSA confidently directs members to Cura Insurance.
Donna Wicks, CEO HMSA

Critical Illness Cover

Critical Illness Cover for those with Ehlers-Danlos Syndrome will be reviewed on a case by case basis. Terms of cover will depend highly upon the severity of the condition. The insurer will likely want to see a report from your GP in regards to the type of EDS that you have and the general implications that it has upon your health.

Get a Critical Illness Cover Quote

Income Protection

Income Protection for people with Ehlers-Danlos Syndrome is available with some specialist insurers. The eligibility criteria for this is quite strict, and dependent upon your employer setting up a company funded Income Protection plan. This could be arranged through your employer, or your own company, and is known as a Group Income Protection scheme. Please contact us if you want to discuss this option.

Get an Income Protection Quote

An alternative to Income Protection is a policy called Accident, Sickness and Unemployment cover. This type of policy offers short-term income protection over a period of 12 to 24 months if you are unable to work due to disability, long-term illness or involuntary redundancy. An Accident, Sickness and Unemployment policy is not medically underwritten, meaning that the diagnosis of Ehlers-Danlos Syndrome will have no bearing on the terms of cover that you are offered. You should be fully aware though that any claim that you place will exclude inability to work due to circumstances related to the Ehlers' Danlos Syndrome.

Get an Accident, Sickness and Unemployment Quote

Some potential problems experienced by individuals who have Ehlers-Danlos include:

  • Mitral valve prolapse
  • Dental issues
  • Gastrointestinal problems
  • Incontinence
  • Slower wound recovery
  • Excessive bruising
  • Joint contractures
  • Pneumothorax
  • Spinal curvature (Kyphoscoliotic)
  • Difficulty with fine motor skills
  • Restrictions on exercise
  • Difficulty completing household chores
  • Internal organ rupture

Medications and Treatments

  • Occupational therapy
  • Physiotherapy

For more information on specific health conditions, pastimes, occupations and countries please select here:

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Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

Summary definition

Ehlers-Danlos Syndrome (EDS) is a connective tissue disorder that is diagnosed within the collagen within the body is reduced or weaker than normal. The key indicators of the condition are joint hypermobility, stretchy and fragile skin. Ehlers-Danlos Syndrome is an inherited condition and is often diagnosed through a physical examination of the individual; in some cases a small skin biopsy will be taken to determine the type of EDS that is present.

Other Services Available

You can apply for any of the following services through ourselves

* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.

Further Reading and Research