Polymyalgia Rheumatica & Life Insurance

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Polymyalgia Rheumatica & Life Insurance

Life Insurance for people with polymyalgia rheumatica may be available at standard terms if your symptoms are very mild and you do not require any medication. In the majority of cases Life Insurance will be available at non-standard terms (a premium increase) which will be determined by the severity of your symptoms and the medication that you use. In most cases insurance companies would want to contact your GP for a report before offering cover.

Critical Illness Cover for people that have polymyalgia rheumatica will most likely be offered at special terms where it is available; very mild cases of the condition may have access to normal terms (standard premiums). If the condition is very severe or affects the organs then it is possible that the application for Critical Illness Cover could be declined on the standard market, at which point a specialist insurer will need to be approached. In most cases insurance companies would want to contact your GP for a report before offering cover.


Income Protection for people with polymyalgia rheumatica may be available if your symptoms are not severe and strong medication is not in use. The insurer will be particularly interested in whether the condition has caused you to have any time off work. If an Income Protection policy is available to you it will likely come with an exclusion to any claims related to arthritis.



Should you find that Income Protection is not available to you, it is worthwhile considering Accident, Sickness and Unemployment cover. This type of policy will pay out a monthly income replacement for 12-24 months if you are unable to work due to disability, long-term injury and involuntary redundancy. Accident, Sickness and Unemployment policies are not medically underwritten when you apply for the cover and you will be accepted for the policy at standard terms regardless of your medical history. However any claim that you place on the policy will exclude periods of incapacity due to polymyalgia rheumatica.


What is Polymyalgia Rheumatica

Polymyalgia rheumatica is a condition that causes stiffness and inflammation within the shoulder, neck and hip areas. The symptoms of polymyalgia rheumatica are at their strongest first thing in a morning and ease as the day progresses and activity increases. The condition tends to affect more women than men and those over the age of 50.

Also known as: PMR

Linked with: Giant cell arteritis, temporal arteritis, depression, vasculitis

Possible symptoms: Shoulder pain, high temperature, fatigue

Some potential problems experienced by individuals who have polymyalgia rheumatica include:

  • Loss of appetite
  • Increased risk of osteoporosis due to medication
  • Strict adherence to steroid medication
  • Planned morning activities
  • C-reactive protein (CRP) test
  • Corticosteroids
  • Erythrocyte sedimentation rate (ESR) test
  • Immunosuppressants
  • Methotrexate
  • Non-steroidal anti-inflammatory drugs (NSAIDs)
  • Prednisolone
  • Rheumatoid factor and anti-CCP antibodies test
  • Ultrasound scan
Polymyalgia Rheumatica & Life Insurance

Dr Kathryn Knowles Phd

This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here

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