Life Insurance with Kidney Stones

Life Insurance

Insurers may not consider kidney stones a significant factor when applying for life insurance. However, additional questions may arise, and that’s where we come in to offer assistance.

Information we should be aware of:

1. How many kidney stones have you had?
2. How often do you have them?
3. Have you needed surgery to remove them?

Life insurance providers are mostly concerned with understanding the specific reasons behind your history of kidney stones. It will make them question if there is another condition you have that causes their development.

In cases where kidney stones pass without medical intervention and occur only once, life insurance is likely to be available at standard rates.

In cases of frequent kidney stones, strong medication, or surgery, the life insurer may request a health report from your GP for confirmation. It is more probable if there is an underlying medical condition causing the kidney stones.

These reports are only viewed by the insurer with your consent, and there is no charge for it.

Individuals with a history of recurring kidney stones or related medical conditions may be subject to higher life insurance premiums. This is why the research our advisers do on your behalf is crucial.

Critical Illness

There is a possibility of kidney stones being relevant to your application for critical illness cover, especially if you’ve experienced them recently.

Information regarding the number of kidney stones you’ve had and whether treatment was necessary may need to be provided.

Individuals with a history of few kidney stones and only experiencing mild symptoms may qualify for critical illness cover at standard rates.

Individuals who have experienced multiple kidney stones, needed intense treatment or medication, or have an underlying condition contributing to kidney stone formation may qualify for a policy with non-standard terms. This may involve an increase in premium or a policy exclusion in some form.

Income Protection

Income protection for individuals who have experienced kidney stones may be accessible under standard conditions. This is more likely if they haven’t caused you to take time off work, and you don’t have them regularly.

Individuals who frequently develop kidney stones may be required by the insurer to consult with their GP to assess their overall health. After reviewing your medical records, the insurer may provide you with income protection on either standard or special terms. This will usually result in either a higher premium or exclusion from the policy.

If kidney stones are a recurring issue and other medical conditions are present, certain insurance providers may deny your income protection application.