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Life Insurance

Overactive thyroid (hyperthyroidism) Life Insurance is available with many insurers provided that your condition has been well controlled with or without medication for at least three months and you are not awaiting surgery. Applications for Life Insurance with hyperthyroidism in these circumstances can be available at normal terms.

In circumstances where you have had an overactive thyroid but have had surgery or treatment to destroy the thyroid gland you should also be able to get standard terms. You need to inform the insurance company of this to ensure they are fully aware of your condition.

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Critical Illness Cover

Overactive thyroid (hyperthyroidism) Critical Illness Cover can be available at normal terms if your condition is well controlled with or without medication (for three months or longer), you are not awaiting surgery and there are no other significant medical disclosures. Where hyperthyroidism has presented complications with your eyes and vision it is likely that your policy will be accepted with a blindness exclusion. Many Critical Illness policies cover you for at least 40 significant medical conditions, and the loss of one of these (blindness) from your claimable set should not deter you from taking the cover.

Income Protection

Income Protection for people with an overactive thyroid (hyperthyroidism) has slightly tighter underwriting acceptance criteria than the previous two policy types discussed. That being said, where the condition have been controlled well with or without medication for at least three months and there are no surgeries scheduled, the policy should still be accepted at standard terms (depending on company). Where your eyes and vision have been affected by the hyperthyroidism your policy will likely have a blindness exclusion placed on it.

Get an Income Protection Quote

Possible Effects on Lifestyle

Some potential problems experienced by individuals who have an overactive thyroid include:

  • Goitre
  • Infertility
  • Steatorrhoea
  • Loose nails
  • Twitching in the limbs and face
  • Excess sweating, aversion to heat

Medications and Treatments

  • Thionamides
  • Beta-blockers (such as Propanolol or Atenolol)
  • Radioiodine treatment
  • Carbimazole

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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

Overactive thyroid (hyperthyroidism) occurs when the body produces too much thyroxine or triiodothyronine, resulting in the body's metabolism increasing. Hyperthyroidism can sometimes be a result of Graves' disease, but can also be due to thyroid nodules, excess iodine consumption, cancer and as a side-effect of some medications. The treatment of hyperthyroidism, for example killing of the thyroid gland, can lead to the development of hypothyroidism (underactive thyroid).

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