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You are here:  Home Products Life Insurance With Medical Conditions Haemophilia

Life insurance with Haemophilia

Overview

Life Insurance for those with Haemophilia is often available from mainstream life insurers unless there are other conditions or complications.

Mostly Haemophilia does not present increased risk to longevity. If you have not already been declined for life cover, you could consider approaching mainstream insurers first.

But, each person’s case is different and needs due consideration by a life underwriter. Pulse Insurance are specialists and may well be able to find cover for those with Haemophilia and other conditions, when other insurers decline.

However, we may not be able to offer cover if you also have Hepatitis or are HIV positive.

 

If you need a specialist underwriter

Pulse specialise in taking your Blood Disorder and any other specific conditions and needs into account in order to find 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
  • 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 Haemophilia cases, we can offer indicative premiums and/or sense of if cover may be available or not early on.

 

Being Transparent

It is always important to declare your Haemophilia and any other medical conditions completely.

 

Your Personal & Medical Details

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

 

Your Health

Every person with more severe Haemophilia 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 Haemophilia 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 likely 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. 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 availability / cost.
It may be necessary 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 Haemophilia 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.

https://bloodwise.org.uk

http://www.leukaemiacare.org.uk

http://mdspatientsupport.org.uk

https://www.anthonynolan.org/patients-and-families/blood-cancers-and-blood-disorders/what-blood-disorder

Will Pulse cover me?

Do you have other significant medical conditions?

No

Are you receiving hospital treatment for your Haemophilia?

Yes, as an in patient

Pulse are usually able to begin finding cover once your Haemophilia can be treated by hospital outpatient services or outside of hospital care.

If you would like to discuss this situation, please do not hesitate to call us on 01280-831430.

 

Enquire now Download our Questionnaire for this Condition / Occupation / Leisure Pursuit
Yes, as an outpatient

If you are being treated for your Haemophilia as a hospital outpatient you may wish to submit an enquiry to us.

Please do not hesitate to call us on 01280-831430.

 

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

If you have not been declined by another insurer, you could consider approaching mainstream insurers first.

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

Please submit your enquiry when ready.

Take care to provide details of each of your medical conditions and the Life Insurance cover you are seeking. However, please be aware that if you also have Hepatitis or are HIV positive.

Please do not hesitate to call us if you need help on 01280-831430.

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

Need help? Call us on: 01280 841430