Stickler Syndrome & Life Insurance

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

Stickler Syndrome

Also Known as: Stickler syndrome type I, Stickler syndrome type II, Stickler syndrome type III, Stickler syndrome type IV, Stickler syndrome type V, hereditary arthro-opthalmo-dystrophy, hereditary arthro-opthalmopathy, Stickler dysplasia, Oto-spondylo-megaepiphyseal dysplasia (OSMED)

Linked with: Joint Hypermobility, Hypermobility Syndrome (HMS), Marfan syndrome, Legg-Calve-Perthe’s disease, osteoarthritis, Pierre-Robin sequence

Possible Symptoms: Nearsightedness (myopia), palate abnormalities, hearing loss, mitral valve prolapse, scoliosis, retinal detachment, short stature

Life Insurance

Life Insurance for people with Stickler Syndrome may be available with a number of insurers at non-standard terms. This will mean that any offer of Life Insurance made available to you will be at an increased premiums to those without the medical condition. In order to assess your application the insurer will want to know the severity of your symptoms, treatments in use, the areas affected by the condition and how long it has been since diagnosis. It is possible that the insurer will want to see a report from your GP to get a clear picture of how the condition affects you and your general state of health.

Hypermobility Syndromes Association (HMSA)

Members of the Hypermobility Syndromes Association (HMSA) often contact us to ask us whether we know where they can get affordable insurance cover for travel abroad. It is always shocking to hear of the high costs being quoted to members who have Marfan syndrome or Osteogenesis Imperfecta or the Ehlers-Danlos syndrome subtypes. Cura offers a comprehensive cover without penalising members of the HMSA for having genetic conditions. This is why the HMSA confidently directs members to Cura Insurance.
Donna Wicks, CEO HMSA

Critical Illness Cover

Critical Illness Cover for people with Stickler syndrome is often not available in the standard insurance market. Any application for Critical Illness Cover that you place will be reviewed by one of the insurance providers senior underwriting members to establish if they can offer the policy to you. Your condition will need to be mild in order for the application to be considered.

Income Protection

Income Protection for people with Stickler syndrome will not typically be available. Your Income Protection application will be assessed by a member of the insurers senior underwriting team to see if they are able to offer terms of cover. Your application for Income Protection is more likely to be considered if your symptoms are mild and the condition has not impacted upon your ability to work.

As an alternative you may wish to consider Accident, Sickness and Unemployment cover that provides between 12-24 months of short term income replacement in the event that you are unable to work due to disability, long-term injury or involuntary redundancy. Accident, Sickness and Unemployment policies are not medically underwritten which means that the cover can be put in place at a standard premium. However you should be aware that any claim that you place on the policy will exclude inability to work due to pre-existing conditions including the Stickler syndrome.

Summary Definition

Stickler syndrome is a connective tissue disorder that is diagnosed when the collagen with an individuals body does not function effectively, typically within the eyes. Stickler syndrome can often cause retinal detachment and can have implications throughout the whole body including the joints and muscles. It is a progressive condition which means that symptoms are likely to worsen as the diagnosed becomes older.

Possible Effects on Lifestyle

Some potential problems experienced by individuals who have Stickler syndrome include:
  • Family planning considerations
  • Regular eye checks
  • Long-term use of mobility aids
  • Social anxiety

Medications and Treatments

  • Glasses or contact lenses
  • Hearing aids
  • Occupational therapy
  • Orthodontics
  • Physiotherapy
  • Speech therapy
  • Surgery
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Client Reviews

Stickler Syndrome

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