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Life Insurance

Life Insurance for paraplegics is available with a number of insurers with a moderate loading to the policy premiums. If you have other medical disclosures to make the insurer may assess your application further and decide to offer policy terms with a higher premium increase. Insurance providers tend to view those with paraplegia and are older in a more favourable manner. Where there has also been kidney related illness in your medical history there are some insurers who will not be prepared to offer you Life Insurance.

We strongly recommend that you speak with one of our financial advisers who will be able to place your application with an insurance provider who can provide the best terms for your medical condition. You can call us on 0800 567 7450 or request a quote with the button below.

Get a Life Insurance Quote

Critical Illness Cover

Critical Illness Cover for paraplegics is available with specialist insurance providers. We recommend that you speak with an insurance adviser before arranging these policies, so that you are made fully aware of what you are and are not cover for.

Enquire about Critical Illness Cover

Income Protection

Income Protection for those with paraplegia is unfortunately unavailable with all standard insurance providers. You could however consider an Accident and Sickness policy that will pay out so long as an illness is not related to any pre-existing medical conditions.

Get an Accident, Sickness and Unemployment Quote

Possible Effects on Lifestyle

Some potential problems experienced by individuals who have paraplegia include:

  • Problems with bladder control
  • Muscle spasms
  • Visual or hearing impairments
  • Ataxia (involuntary movement)
  • Problems with balance and falling

Medications and Treatments

  • Baclofen
  • Botulinum injections (Botox)
  • Electrical muscle stimulation
  • Lower leg brace (ankle-foot orthosis)
  • Physiotherapy
  • Surgery
  • Tizanidine

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

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Talk to a Friendly Adviser

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

Paraplegia can be caused from a number of factors such as genetic inheritance, spinal cord injury. The condition will typically result in an individual having a weakness in the leg muscles and a stiffness to their gait. Whilst some who are diagnosed with paraplegia may require a wheelchair to move around, others can also have the condition in a mild form without the need for walking aids. Paraplegia cannot be cured or prevented but with effective management those with the condition can live full lives.

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