Life Insurance for people with Von Willebrand Disease may be available at standard terms with some specialist insurers. The insurance provider that you approach will be particularly interested in details such as the length of time since the diagnosis, the type of Von Willebrand Disease you have and how many episodes of bleeding you have had. Depending upon the type of Von Willebrand Disease that you have the insurer may want to see a report from your GP to fully establish how the condition affects your health. Following your application for Life Insurance the insurer may choose to offer Life Insurance at standard terms or at special terms (premium increase).
Critical Illness Cover for people with Von Willebrand Disease may be available at normal terms with certain insurance providers. The insurer that you place your Critical Illness Cover application with will want to know how may episodes of bleeding you have, the time that you were diagnosed and the type/severity of the condition. The application process will probably involve the insurance provider requesting a report from your GP to establish your overall state of health; these reports are paid for by the insurer and cost no expense to yourself. If Critical Illness Cover is available to you the policy may be available at standard or non-standard terms; it is unlikely that a person with Type 2 or Type 3 Von Willebrand Disease will be able to secure Critical Illness Cover.
Income Protection for those with Von Willebrand Disease may be available at non-standard terms with some insurers. If Income Protection is available the insurance provider will probably place a minimum deferment period on the policy. The insurer will usually ask to see a report from your GP to establish how the illness impacts upon your general health, how long you have been diagnosed with the condition and how many episodes of bleeding you have had. They will also typically enquire as to how much time you have spent off work due to the condition.
It is unlikely that a person with Type 2 or Type 3 Von Willebrand Disease will be able to secure Income Protection. In these circumstances you may well want to consider Accident, Sickness and Unemployment Cover. This type of policy will pay a regular monthly income for between 12 and 24 months if you are unable to work due to disability, long-term illness and involuntary redundancy. Accident, Sickness and Unemployment policies are not medically underwritten meaning that the policy will be accepted at standard terms regardless of your medical history. However any claim that you place will exclude inability to work due to a pre-existing medical condition, including Von Willebrand Disease.
Some potential problems experienced by individuals who have Von Willebrand Disease include:
Avoiding contact sports
Use of protective equipment
Avoiding some medications e.g. aspirin and non-steroidal anti-inflammatory drugs (NSAIDs)
Heightened caution during surgery
Medications and Treatments
Intrauterine device (IUD)
Oral contraceptive pill
Von Willebrand factor concentrate
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Von Willebrand Disease is typically an inherited condition and the severity of the illness is often determined by whether it has been inherited from one or both parents. The illness is caused when there is a deficiency in the blood protein, Von Willebrand factor, or when this protein is not working properly. Symptoms of Von Willebrand Disease are primarily focused around excessive bleeding as the blood is unable to clot effectively. Individuals with Von Willebrand Disease should take more caution when performing any activities that have the potential to cause bleeding or bruising. Acquired Von Willebrand Disease can occur when the efficiency and presence of the Von Willebrand factor in the blood is affected by a secondary illness.
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