Life Insurance
Underwriters will ask for the following information for those seeking life insurance with Haemophilia:
- Type of Haemophilia (Type A or B)
- Medication you may be taking
- When was your last episode / attack
- Any hospitalisation due to your Haemophilia
- Any recent time you’ve had off work due to Haemophilia
Individuals with Haemophilia seeking Life Insurance will typically discover that the terms presented are favorable, often receiving standard rates without any additional premium charges.
If the condition is deemed more severe by Life Insurance underwriters, an increase may be applied and typically evidence from your GP will be required.
The amount of your Life Insurance premiums will be determined by the specific type of Haemophilia you have and the treatment/medication you are currently using. In cases where recent symptoms or attacks necessitated immediate treatment, it’s possible that your premiums may go up or your application might be delayed to ensure a stable period or be refused altogether.
Critical Illness
Critical Illness Cover for individuals with Haemophilia is typically available at standard rates without any increase in premiums, which is fortunate. Similar to Life Insurance for Haemophilia, Critical Illness Cover provides a flexible approach to underwriting when dealing with mild conditions and infrequent symptoms.
Insurance providers typically require a GP report and will inquire about your Haemophilia to evaluate the risk.
If there have been recent developments related to your Haemophilia or the condition is severe, there might be a premium increase or special terms offered. In cases of more severe conditions, your application for Critical Illness Cover may not be approved.
Income Protection
Income Protection is available for individuals with Haemophilia, and typically, standard rates are possible in cases where the condition is mild and well-maintained based on our experience.
Similar to underwriting for Critical Illness and Life Insurance for Haemophilia, a loading may be applied to your premium or special terms may be applied for recent/severe issues or less controlled conditions.
In cases where Haemophilia has impacted joints or other body areas, exclusion may be included in policy terms. In severe instances, applications might be declined.
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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