Life Insurance
If you are looking for cover for Gastric Bypass life insurance, then you will need to provide us with additional information such as:
- Date of surgery and your age
- Reason for surgery
- Previous BMI (before surgery)
- Any complications
- Other medical conditions and general state of health
- Are there any mental health issues
If you have applied for Gastric Bypass life insurance before and were given special terms or denied coverage, we may be able to assist you with getting approved for a policy now. Your application for Gastric Bypass life insurance may have been sent to a provider that doesn’t offer this coverage or one that has rigorous underwriting criteria for your specific situation.
Life insurance for Gastric Bypass surgery should be accessible at standard rates if the surgery was performed several years ago and there has been a period of weight stability with no significant fluctuations.
Individuals seeking Gastric Bypass life insurance may experience higher premiums if their surgery was recent or if they have gained weight.
Critical Illness
Underwriting is required for critical illness cover and the result can vary depending on your health and weight, from a minor increase in cost with no exclusions to a potential denial of coverage.
Securing the appropriate coverage for Gastric Bypass critical illness can be challenging due to associated health risks.
The coverage and premiums for Gastric Bypass critical illness cover will be determined by your current BMI levels and health condition at the time of application.
Individuals with preexisting conditions like Type 2 Diabetes or mental health concerns may discover that critical illness cover could potentially be unavailable currently. However, submitting an application is recommended to determine eligibility.
Income Protection
You will be required to submit medical evidence such as a report from your GP in order to qualify for income protection.
It will depend on how many extended periods you have off work in several years as to if you will be accepted.
Rates can vary from one provider to the next and can be accepted from a small premium loading to a decline if the surgery was too recent or had any complications.
How We Work
1: We contact you and take down your details, income outgoings, name, address etc.
2: We will research the whole market and email you a detailed quote as well as a list of documents to proceed.
3: You upload the documents and information needed via our channel our online portal.
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