Anorexia is a serious health condition that affects around 1.6 million people in the UK every year. A point of concern for those with this condition is obtaining life insurance after anorexia.

Although the application process for those suffering from anorexia is longer, it is still possible for them to get affordable life insurance.

Questions about anorexia

Insurers would want to obtain as much information about your condition as possible. For this reason, they will ask you various questions about your anorexia, the most common ones being the following:

  • When were you diagnosed with the condition?
  • What was your lowest weight?
  • What is your current BMI? What is the trend in your BMI?
  • Have you ever been admitted to a hospital because of your anorexia?
  • What treatment plan are you following?

A BMI of less than 17 is considered dangerously low and this is usually when insurers will conduct a more detailed underwriting process to evaluate your application. You might be given a ‘table rating,’ which is done when an applicant’s risk level is significantly higher than normal.

To give you a table rating, the insurance company may approach your psychiatrist to get detailed information about your health.

In contrast, a BMI of around 20 is considered normal for an anorexic and would make you eligible for getting life insurance at standard terms. Even if you are still showing some symptoms of anorexia, you can still get insurance at only a slightly higher premium.

Coverage for anorexia

Nevertheless, it is still a good idea to ask your insurer this question: does life insurance cover anorexia? Some life insurance policies exclude anorexia from their coverage. Therefore, if the condition is the cause of your death, your beneficiaries will not receive a payout. It is best to clarify this beforehand.

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!
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