Anorexia (also known as anorexia nervosa) is a form of an eating disorder wherein the patient develops an unhealthy obsession about his or her weight and the food they eat. Anorexia patients usually have a much-distorted body image with an unjustified fear of having a high body weight. The patients usually starve themselves and resort to too much physical exercise and can sometimes cross over to malnutrition.
Life insurance and Anorexia
Even though it may not seem like it, anorexia is a very serious medical condition. Since the severity and behaviour of this particular medical condition vary from patient to patient so does the terms and conditions of any insurance policy.
They may ask for the following information for underwriting:
- The lowest bodyweight you have had
It helps them to understand how severe your medical condition can get. The lower the bodyweight the higher the rate of interest.
- The time that has passed since you were that weight
If you have been your lowest weight recently then chances are, the insurers will wait until you have gained healthy weight and have a good or close to normal BMI (body mass index) value. If you have come a long way since the lowest, the information may not be taken into consideration at all.
- Your present BMI (Body mass index) value
A body mass index of 18 to 25 is considered normal. The insurers are generally reluctant to offer you life insurance if you have a BMI value of less than 17 and decide to weight until your body mass index increases to close to 20.
- Any hospital admissions or if you need help from professionals
If you have ever required professional medical assistance in any form, be it admission to a hospital or other kind of medical facility, the relevant information has to be provided for reference.
If you have fully recovered from anorexia and now maintain a healthy body weight you will be approved for life insurance under standard terms, if not our insurance agents will do their best to provide you with the best available option.
We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
Call 011-3733-4610 – Monday to Thursday from 11.00 to 19.00 and on Friday between 11.00 and 16.00