Life Insurance with Vitiligo

Life Insurance

While vitiligo may not affect some individuals significantly, it can lead to anxiety and social withdrawal for others. At NeedingAdvice.co.uk, we carefully consider your needs and the impact of your condition, in order to match you with a suitable insurance provider.

Information we should be aware of:

• What was the date of your vitiligo diagnosis?
• Do you suffer from diabetes?
• Is your thyroid overactive?
• Are you in need of any prescribed lotions?
• Are you currently on any medication?
• Do you have a surgery appointment?

Life insurance is generally offered at standard rates for individuals with vitiligo, provided that it is mild and non-progressive during the application process. The insurer will inquire about the impact of vitiligo on your mental health and daily activities. You’ll also need to mention if your vitiligo is related to any other health issues like autoimmune conditions, diabetes, or an overactive thyroid. In cases of severe vitiligo requiring oral steroid treatment, the insurer may offer Life Insurance with non-standard terms, such as a premium increase.

When scheduled for surgery, most insurance providers will not approve or delay Life Insurance coverage until treatment is completed. In the event that you are in this situation, rest assured, you can obtain Life Insurance from a specialized insurer.

Critical Illness

Those with vitiligo may be eligible for Critical Illness Cover at standard terms, provided their symptoms are mild and they aren’t using strong medications. The insurer will inquire about any potential mental health issues resulting from vitiligo, such as anxiety, depression, or OCD. Individuals taking oral steroids or preparing for surgery may face higher premiums or potential rejection or postponement of their Critical Illness coverage by the insurance provider.

Specialist insurers are available for those who cannot obtain Critical Illness Cover through standard market due to health conditions like vitiligo, medications, upcoming surgery, or secondary illnesses such as diabetes.

Income Protection

Income Protection is accessible to individuals with vitiligo at standard terms from several insurers.

If vitiligo is a result of another illness such as diabetes or upcoming surgery, it might be beneficial to consider an Accident, Sickness, and Unemployment policy.