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Life insurance with Haemochromatosis

Overview

Life Insurance for those with Haemochromatosis is often available from mainstream life insurers unless there are other conditions or complications or issues despite regular treatment.

If this describes your situation or your phlebotomy (blood-letting treatment) is working, you could consider approaching mainstream insurers first.

But, each person’s case is different and needs due consideration by a life underwriter.

Pulse may be able to find cover depending on the severity and stability of your Haemochromatosis. We like to think if cover is available, we can find it.

 

Medical Conditions beyond or alongside Haemochromatosis 

If you have Haemochromatosis and no other medical conditions, this section is not relevant for you.

Similar / Related Conditions to Haemochromatosis 

Sometimes Haemochromatosis can present with other conditions

This does not mean any secondary condition will ever develop, but it is important for us to gain the most accurate picture possible today, as your policy will be based on these facts.

If your condition has or may be leading to a more serious progression or other condition(s), please try to ensure you complete the enquiry form detailing your status as clearly as you can.

Your application with Pulse Insurance will always be individually considered by our underwriters based on the specific details you provide; you will never be pigeon-holed by some clever computer system making assumptions based on a condition name or worse.

If you are at all unsure how to proceed, please do not hesitate to give our friendly Pulse Team a call on 01280 841430

 

If you need a specialist underwriter

Pulse specialise in taking your Blood Disorder and any other specific conditions and needs into account and finding Life Insurance cover for you, if it is available.  

We use our knowledge and experience to find a solution when other Life Insurers have declined to quote.

 

Why Pulse Insurance? 

  • Pulse Insurance have been focused on finding unusual cover since 1998
  • We strive to offer caring and sensitive service
  • We are knowledgeable insurance professionals who work as a team
  • We provide a personal service to guide you through
  • If we cannot help, it will not be for the want of trying or know-how

While finding cover for everyone is not always possible and the premium will be higher to reflect increased risk, we like to think we are rather good at helping people find the cover they need.

 In many Haemochromatosis cases, we can offer indicative premiums and/or sense of if cover may be available or not early on; so, you can decide to proceed or not.

 

Being Transparent

It is always important to declare your Haemochromatosis and any other medical conditions completely.  Failure to be transparent with any insurer can result in a claim being denied – confounding the very reason for paying any premium in the first place.

 

Your Personal & Medical Details

Everything you disclose about your Haemochromatosis to any life insurer or life agent should be treated with sensitivity and appropriate levels of privacy.

 

Your Health

Every person with more severe Haemochromatosis knows that their state of health, any complications and their lifestyle will impact their risk and the cover available. These factors will be explicitly considered when determining the fair premium, you would pay. 

Your Pulse underwriting specialist will look to gain a detailed picture of your condition and you should take care to disclose everything.

 

Requirements for more information

While our initial enquiry may not gather enough information to provide an indication of cost, our insurers may ask for more in depth information regarding your Haemochromatosis and/or any other conditions. Sometimes the details you can provide may allow them to reduce the premium they seek. 

As you have a medical condition, it is possible that underwriters will need to seek a Doctor’s report or for you to undergo medical examinations, blood tests or other tests that will confirm your health to allow them to quote an accurate premium and confirm cover details. The costs involved in obtaining the medical information are usually paid by the underwriter, but if not, you will be informed before they are requested.

Pulse will never sell your details to anyone ever. We will use your details to provide the service you have asked for according to the permissions you grant us– read our Privacy and Data Protection policy in full.

 

Medical Reports

If you have any recent or relevant medical reports, these can enable underwriters to provide a more accurate indication. 
Please send these either to medical.reports@pulse-insurance.co.uk or post them to us
n.b. Do not worry if you don’t have any medical reports as they are not usually needed to give an indication of cover / cost.
It may be necessary anyway for separate specific medical reports to be sought if you decide to proceed with an application.
If you have any queries, please give a member of the team a call on 01280 841430.

 

Additional Covers

Pulse may be able to offer covers beyond everyday Life Insurance to give you the peace of mind and protection you desire.

The reasons you may need life cover may be simple or complex, but having the right covers brings peace of mind for you and your family.

 

Useful Haemochromatosis resources

We suspect if you have read this far, you are relatively well informed about your Blood Disorder. 

You may know of or find these external resources useful; although Pulse are inevitably not responsible or in control of the accuracy or nature of the information provided.

http://www.nhs.uk/conditions/Haemochromatosis/Pages/Introduction.aspx

http://www.Haemochromatosiscare.co.uk

http://Haemochromatosis.org.uk

 

For Pulse Intermediaries

Common Haemochromatosis Medications

  • Desmopressin acetate (DDAVP, Octet)
  • Recombinant Coagulation Factor II (Thrombin; Prothrombin; Pro- Thrombin)
  • Recombinant factor VIIa (NovoSeven, Eptacog Alfa)
  • Recombinant Factor VIII/von Willebrand factor (Haemate P, Optivate)
  • Recombinant Factor IX (AlphaNine, BeneFIX, Nonacog Alfa, Replenine-VF)
  • Recombinant Factor XIII (Fibrogammin P)
  • Immune tolerance induction (ITI)
  • Octocog Alfa (Helixa)

Will Pulse cover me?

Do you have other significant medical conditions apart from Haemochromatosis?

No

Have you needed recent or frequent treatment for your Haemochromatosis?

Yes

Pulse may be able to find cover depending on the severity and stability of your Haemochromatosis.

We like to think if cover is available, we can find it.

Please submit your enquiry or call us on 01280-831430.

 

Enquire now Download our Questionnaire for this Condition / Occupation / Leisure Pursuit
No

If your Haemochromatosis is well controlled with medication, you could consider approaching mainstream insurers first before submitting an enquiry to us.

Please call us if you are unsure on 01280-831430.

NB, we have kept this simple and quick to use, but therefore it does not take account of too much complexity, so may not work for every individual. We welcome any feedback.

Enquire now Download our Questionnaire for this Condition / Occupation / Leisure Pursuit
Yes

Please also search and review details for your other medical conditions.

Pulse may be able to find cover depending on the severity and stability of your Haemochromatosis.

We like to think if cover is available, we can find it.

Please submit your enquiry when you are ready or call us on 01280-831430

 

Enquire now Download our Questionnaire for this Condition / Occupation / Leisure Pursuit

Need help? Call us on: 01280 841430