Life Insurance with Sickle Cell Anaemia

Life Insurance

Individuals with sickle cell disease may be required to provide detailed health information when applying for insurance coverage. We are available to assist you with obtaining the necessary insurance you require, as it is part of our routine to do so regularly.

Information that is essential for us to understand:

1. Date of diagnosis
2. Any medication taken regularly
3. Do you require blood transfusions?
4. Any hospitalisation due to the sickle cell anaemia
5. Have you had any sickle cell crises?

After obtaining this information, we can begin looking for the appropriate insurer that suits your requirements. Life insurance for individuals with sickle cell anaemia may be an option for some insurers in the UK. Determining the most suitable life insurance companies for individuals with sickle cell anaemia is challenging. The treatment you’ve had and the number of crises experienced will significantly impact determining the appropriate insurer for you.

Individuals with sickle cell anaemia may experience higher policy premiums when applying for life insurance, referred to as non-standard terms. The insurer you go to for life insurance will likely require a report from your GP to verify your diagnosis and overall health status. This document is typically a straightforward paper report derived from your medical records; it may not always require a medical examination. Individuals seeking a significant amount of life insurance may be required to undergo medical screenings by the insurer, typically covered by the insurer themselves.

Critical Illness

Arranging Critical Illness Cover for individuals with sickle cell anaemia may pose some challenges compared to life insurance, but it remains a viable option. It may be necessary to explore some more specialized options. An alternative is to set up insurance with a provider that can approve your application without needing medical evidence, but it’s crucial to consult with an adviser who can clarify the exclusions on this policy type for you.

Income Protection

Income Protection can be arranged for individuals with sickle cell anaemia through a group insurance option. The availability of this option would depend on whether or not your employer is willing to offer it to employees, as it cannot be individually arranged. It can be challenging to discuss this topic, especially if you want to keep your health private from your employer or if you’re unsure if anyone in a large organisation will pay attention to you. We are available to explore various options and approaches for initiating this conversation with your employer.