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Life Insurance

Life Insurance with tinnitus will be reviewed in regards to the cause of the condition, the results of any investigations completed and any associated illnesses that are present. Where tinnitus is active but has no additional contributory conditions you may find that you are able to secure Life Insurance at standard terms. Where there are additional medical conditions present the insurer may wish to see a medical report from your GP to establish your overall state of health. If your medical history has a number of notable health disclosures then it is possible that the insurer may choose to increase your policy premiums.

Get a Life Insurance Quote

Critical Illness Cover

Critical Illness Cover for people with tinnitus will be reviewed in a similar manner to Life Insurance, in that the insurer will be interested in the cause of the condition and any additional medical disclosures that you have. You are likely to find that any Critical Illness Insurance that you are accepted for will come with a deafness exclusion.

Get a Critical Illness Cover Quote

Income Protection

Income Protection for those with tinnitus will probably have a similar underwriting outcome as that of Critical Illness Insurance applications. It is likely that a deafness exclusion will be placed on the policy, meaning that should you be unable to work due to your tinnitus or a related aural condition you will not be able to claim for this.

Get an Income Protection Quote

Possible Effects on Lifestyle

Some potential problems experienced by individuals who have tinnitus include:

  • Dependence on hearing aids and loop systems
  • Difficulty to concentrate in loud environments
  • Pain with sudden loud noises
  • Difficulty hearing certain tones and pitch of voice

Medications and Treatments

  • Cognitive Behaviour Therapy (CBT)
  • Counselling
  • Eardrops
  • Ear irrigation
  • Sound therapy
  • Tinnitus Retraining Therapy (TRT)

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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

Tinnitus can be a highly frustrating condition to have as the diagnosed develops a kind of internal sound that they can hear constantly; this can be a buzzing, humming, grinding, hissing, whistling and/or sizzling. Tinnitus is generally categorised into three forms: pulsatile tinnitus, musical hallucinations and low-frequency noise. If a definitive cause of the tinnitus can be found it can often be treated and in time reduce greatly or possibly disappear. For those who do not have a specific cause for the condition the use of coping strategies such as distraction techniques will be required to lessen any discomfort caused by the illness.

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