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Life Insurance, Critical Illness Cover and Income Protection for people with Migraines
Also Known as: Migraine with aura, migraine without aura, silent migraine
Linked with: Photophobia, phonophobia, osmophobia, stress, depression, stoke, menstral migraine, abdominal migraine, ocular migraine, hemiplegic migraine, basilar-type migraine
Possible Symptoms: Dizziness, increased sensitivity, visual problems, disorientation, nausea
When you apply for Life Insurance, migraines will need to detailed to the insurer with focus upon severity and frequency of the attacks, any investigations that have been completed and the resultant diagnosis, and methods used to control the condition. If your migraines are infrequent and rather mild it is possible that you could secure Life Insurance at standard terms. Frequent and severe migraines may result in your application being accepted at special terms (increased premiums). Where investigations have been conducted the insurer will want to know if any secondary/contributory illnesses have been diagnosed, or if the results came back all clear. Where results have shown no secondary conditions terms for Life Insurance are likely to remain at standard rates, where additional conditions have been identified it is possible that your policy will be accepted at special rates.
Critical Illness Cover
When you experience migraines critical illness cover applications will be reviewed in a similar way to Life Insurance. The insurer will be interested in the regularity and severity of flare ups, medications used to control the condition and the results of any investigatory tests that have been completed. Critical Illness Cover may be accepted at standard terms if your migraines do not occur frequently and the symptoms are considered mild. Where the condition occurs regularly and is rather debilitating you may find that the insurer offers you rated policy terms, which will mean an increase to the policy premiums.
It is possible that you will have Total Permanent Disability removed from the Critical Illness policy claims set, this should be of no concern as this is a small aspect of the policy and its removal does not outweigh the benefit of the other illnesses that remain covered. If investigations have shown that the migraines are due to a secondary condition your application acceptance will be highly dependent upon the secondary diagnosis and could see the policy accepted at rated terms or in more severe cases declined.
For those with migraines an Income Protection policy can be available at standard terms if your condition is well controlled, you have infrequent attacks and there have been no significant absences from work. Where the condition has caused noted sickness absence from employment, the symptoms are severe or routine tests have shown a secondary cause for their onset, your application is likely to be accepted at special terms. This may involve an increase to the policy premiums or an exclusion for any claims related to your migraines and related conditions.
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