Idiopathic Thrombocytopenic purpura, also known as ITP or Immune thrombocytopenic purpura is a rare condition wherein the patient suffering from the condition has a low level of blood platelets.

Platelets are vital to blood cells that help prevent bleeding. The condition can also occur when the immune system of the patient mistakenly attacks the platelets of the patient. The condition can follow an infection caused by a virus in case of children and can cure in itself thereafter. However, in the case of adults, the condition can be chronic and last for years. Treatment of the condition in case of adults includes medication for bleeding, though in some rare cases the spleen of the infected patient may be removed.

Obtaining Critical Illness insurance while suffering from Idiopathic Thrombocytopenic Purpura (ITP)

Since Idiopathic Thrombocytopenic Purpura is a rare medical condition, most standard life insurance providers do not have the provisions to provide critical illness cover to patients suffering from ITP.

Tips you can follow

Mentioned below are a couple of tips you can follow to purchase a critical illness cover of your choice:

  1. Search the market thoroughly and contact as many insurance providers as you can.
  2. Be sure to approach the insurance providers and thoroughly discuss with them your needs and all possible policies that would be suitable for your needs.
  3. In case the insurance providers are unable to offer your desired insurance policies at affordable rates, you should also discuss the alternatives to the policy.

The outcomes

In most cases, critical illness insurance application will be accepted but at non-standard rates of premium, that being said the rates can be as high as double the standard rates of policies. You must approach as many insurance providers as possible to make sure you can get the most suitable and affordable insurance policy.

It is also important to remember that the maximum of the insurance policy providers will want to see a medical report from your GP. A supportive report from your GP can make sure that your insurance applications are approved and at affordable prices.

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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