Life Insurance for Anorexia

Life Insurance

Mental health conditions such as Anorexia can have have a variety of effects on life insurance underwriting depending on the severity of the condition and the cause. Anorexia life insurance will be based on whether you currently suffer from any of the following symptoms and whether the Anorexia has had any other effects on your health.

Information required by underwriters for Anorexia life insurance includes:

1. The date you were diagnosed
2. When did you last experience any symptoms
3. What impact does your condition have on your day to day life
4. Have you seen a psychiatrist or counsellor
5. What impact your Anorexia has had on your health

In some more severe cases where you have a BMI (Body Mass Index) of less than 17, you will generally find it difficult to get cover through the mainstream markets however there are more specialist insurers who would consider cover for you. Generally for Anorexia where symptoms are still present and your BMI is below a certain level, your premiums will be increased slightly to reflect that increased risk.

Critical Illness

Specific information is required for applicants with current or previous history of anorexia when applying for critical illness cover.

This will cover information on your BMI, lowest weight, and any mental health treatment you may have had. Your policy may be approved under regular or non-standard conditions, based on the degree to which anorexia has impacted or is currently affecting your health.

When a GP report is requested, it is typically covered by the insurer’s own funds. Critical illness cover policies may be available through specialist providers or through your employer, but it is important to check for any claims exclusions related to pre-existing conditions.

Income Protection

Income protection insurance is available to individuals with a history of anorexia or those currently experiencing it. The insurance provider will require detailed information about your health, similar to what would be needed for a life insurance policy.

It is advisable to be ready to discuss inquiries regarding your lowest weight, BMI, history of self-harm, any treatment received from mental health professionals, and the length of time since reaching your lowest weight.

Answering these questions might be overwhelming for individuals struggling with anorexia, but our team is here to support you through the process by making it as comfortable as possible. We will ensure that you are informed of what is required at each step and why.