Labyrinthitis & Life Insurance

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Life Insurance, Critical Illness Cover and Income Protection for people with Labyrinthitis

LabyrinthitisAlso known as: Viral labyrinthitis, bacterial labyrinthitis, chronic labyrinthitis, suppurative labyrinthitis, Ramsay Hunt Syndrome

Linked with: Vertigo, tinnitus, meningitis, measles, mumps, glandular fever, otitis, cholesteatoma, ataxia, vestibular neuronitis or neuritis, benign positional vertigo (BPV), diabetes, stroke, hypertension, hypotension, Ménière’s disease

Possible symptoms: Dizziness, loss of balance, hearing loss, blurred vision, nausea, uncontrollable eye flickering

Life Insurance

Life Insurance with labyrinthitis may be available at standard terms with some insurers. In order to fully assess your application the insurer will want to know the cause of the condition, how long the symptoms lasted, how many occurrences you have had, any lasting complications that are present and the amount of time since your last episode.

Critical Illness Cover

When you have had labyrinthitis Critical Illness Cover may be available at standard terms with some insurance providers, if the condition has been mild and is not currently present. As with a Life Insurance application the insurer will want to know why the condition manifested itself (viral or bacterial cause), how long your symptoms were active, if it was a one-off event or there have been multiple occurrences, any side effects you still have from and when the last event happened. Depending upon these factors it is possible that your policy will be accepted at normal terms, with a premium increase or an exclusion on deafness. 

Income Protection

Income Protection for those who have had labyrinthitis in the past with no resultant complications may be able to secure the policy at standard terms. If the condition is currently affecting you, there is lasting complications or there are frequent recurrences of the condition it is possible that the insurer may choose to place an exclusion on your policy for any claim due to deafness of imbalance.

Possible Effects on Lifestyle

Some potential problems experienced by individuals who have labyrinthitis include:

  • Reduction of caloric responses
  • Ear discharge (otorrhoea)
  • Ear pain (otalgia)
  • Vestibular rehabilitation exercises

Medications and Treatments

  • Betahistine dihydrochloride (Serc)
  • Corticosteroids
  • Cyclizine lactate (Valoid)
  • Domperidone (Motilium)
  • Domperidone maleate (Motilium tablet)
  • Hyoscine (Scopoderm TTS)
  • Metoclopramide
  • Metoclopramide Hydrochloride (Maxolon)
  • Physiotherapy
  • Prochlorperazine maleate (Buccastem)
  • Prochlorperazine Mesilate (Stemetil, Stemetil tablet)
  • Promethazine
  • Trifluoperazine hydrochloride
  • Vestibular rehabilitation therapy (VRT)
  • Vestibular sedatives (Antiemetics, Benzodiazepine)
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