Schizophrenia

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

Schizophrenia

Also Known as: N/A

Linked with: Mental health disorders, schizoaffective disorder, bipolar disorder, anxiety, schizotypal personality disorder, schizoid personality disorder, disassociative personality disorder, depression

Possible Symptoms: Hallucinations, delusions, thought disorder, acute psychosis, hearing voices

 You can view a transcript for this CuraVision Mental Health video here.
 

Life Insurance

Life Insurance for people with schizophrenia will be assessed by the insurer alongside a detailed report from your doctor. The insurer will be interested in a full picture of you health including the severity of the condition, medications used and the stability of your condition. If your condition is stable you may be able to secure Life Insurance with specific insurers at non-standard terms, usually a higher premium than normal. If there are any recent psychotic episodes or suicide attempts then your Life Insurance application will probably be deferred for a set period of time or may need to be placed to a specialist provider who will place certain exclusions on the policy.

Critical Illness Cover

Unfortunately Critical Illness Cover is not available for those who have schizophrenia.

Income Protection

Unfortunately Income Protection is not available for those who have schizophrenia.

As an alternative you may wish to consider Accident, Sickness and Unemployment Cover that will pay out a monthly income replacement in the event that you develop a severe disability, injury or are made involuntarily redundant. The advantage of this policy is that the insurers do not assess your medical history when you apply for the cover, meaning that you will be eligible for the policy at standard premiums rates. However you must be fully aware that whilst this is the case, these policies will not pay a claim for anything that is related to an existing medical condition; you will only be able to apply for a claim that is not related to your condition. Accident, Sickness and Unemployment Cover will pay a monthly benefit for between 12 and 24 months depending upon your choice of cover.

Schizophrenia & Travel Insurance

Are you planning on traveling abroad? It is important that you arrange a travel insurance policy and establish what you are covered for, when it comes to the schizophrenia. For more details on specialist travel insurance policies, please visit our dedicated travel page here.

Summary Definition

Schizophrenia is quite largely a misunderstood illness with many still holding the misguided notion that this means that someone has a split personality disorder. Schizophrenia can occur due to genetic or environmental factors that cause an individual to lose a sense of reality, leading to long-term or acute behaviour changes due to the altered perception of what is happening around them.

Possible Effects on Lifestyle

Some potential problems experienced by individuals who are schizophrenic include:

  • Withdrawal from social interactions
  • Difficulty sleeping
  • Inability to recognise changes to behaviour and thoughts
  • Contingency planing for acute psychotic episodes
  • Adverse reactions to medication including parkinsonism, akathisia, dystonia and tardive dyskinesia
 

Medications and Treatments

  • Amisulpride (Solian)
  • Aripiprazole (Abilify)
  • Atypical antipsychotics
  • Chlorpromazine hydrochloride
  • Clozapine (Clozaril, Denzapine, Zaponex)
  • Cognitive Behaviour Therapy (CBT)
  • Flupentixol
  • Flupentixol decanoate
  • Fluphenazine decanoate (Modecate)
  • Haldol
  • Haloperidol (Dozic, Serenace)
  • Haloperidol decanoate (Haldol Decanoate)
  • Levomepromazine maleate (Nozinan tablets)
  • Olanzapine (Zyprexa)
  • Olanzapine pamoate monohydrate
  • Paliperidone (Invega)
  • Pericyazine (Neulactil)
  • Pimozide (Orap)
  • Pipotiazine palmitate (Piportil)
  • Prochlorperazine maleate
  • Prochlorperazine mesilate
  • Quetiapine fumarate (Seroquel)
  • Risperidone (Risperdal)
  • Sulpiride (Dolmatil, Sulpor)
  • Trifluoperazine hydrochloride (Stelazine)
  • Typical antipsychotics
  • Xeplion
  • Zuclopenthixol acetate (Clopixol Acuphase)
  • Zuclopenthixol decanoate (Clopixol Conc)
  • Zuclopenthixol dihydrochloride (Clopixol tablets)
  • ZypAdhera

Client Reviews

The Special Risks Bureau has been rated 5 out of 5 based on 373 reviews.

Review by Sarah on 26th January 2018

Cura really helped me out when I got declined life insurance online they really took their time and listened to my needs - 5 

You can read more of our reviews here.

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