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Life Insurance

Life Insurance for people with a vitamin B12 or folate anaemia should be available at standard terms with many insurers. Insurance providers that you approach will want to know if you have regular health checks with your GP, whether you have experienced any recent symptoms, if the condition is under control and what medications are in use.

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Critical Illness Cover

Critical Illness Cover for those with vitamin B12 or folate anaemia may be available at standard terms with some insurance providers. The insurer will want to know what symptoms are caused by the condition, any treatments that are in use and if you are regularly monitored by your GP. Depending upon the severity of the condition terms for Critical Illness Cover may be offered at standard or non-standard terms (small premium increase).

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Income Protection

Income Protection for people with vitamin B12 or folate anaemia that is well under control may be available at normal terms with some insurers. The insurer that you approach will be particularly interested in whether or not the condition has caused you to have any time off work. It is possible that the insurance provider may ask to view a report from your GP to establish how the condition affects your health. Where Income Protection is available the policy acceptance terms will either be at standard or special terms (small premium increase).

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Some potential problems experienced by individuals who have vitamin B12 or folate anaemia include:

  • Dietary considerations
  • Pins and needles (paraesthesia)
  • Vision problems
  • Mouth ulcers

Medications and Treatments

  • Cyanocobalamin (Cytamen)
  • Ferric Carboxymaltose (Ferinject)
  • Folic Acid (Lexpec Folic Acid)
  • Hydroxocobalamin (Cobalin-H, Neo-Cytamen)
  • Iron Dextran (CosmoFer)
  • Iron Sucrose (Venofer)

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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

Vitamin B12 or folate anaemia occurs when the body starts to develop red blood cells that are larger than normal (known as megaloblastic or macrocytic cells). The condition is usually caused by pernicious anaemia which is diagnosed when the body's immune system begins to attack the 'intrinsic factor' protein in the stomach, preventing the absorption of Vitamin B12. Vitamin B12 anaemia can also be caused by a dietary imbalance, gastrointestinal conditions and as a reaction to some medications (e.g. proton pump inhibitors (PPIs). Folate anaemia can also develop as a result of a poor diet, digestive conditions, excessive urination, pregnancy, cancer and some medications (e.g. anticonvulsants).

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