Brittle Bone Disorder Life Insurance
Getting life insurance with a disease that can be fatal for you, is a hard task. Brittle bone comes in such a category. Brittle bone disease is a genetic condition that is diagnosed when the body’s collagen is not functioning, mainly because the bones in the body are more likely to break down than otherwise. The insurance company would be interested in getting some information from you.
The following information is necessary while you are applying for a life insurance policy.
- Which type of brittle bone disease do you have?
- What was your age when you were first diagnosed with brittle bone disease?
- What is the frequency of fractures or other associated symptoms?
- Do you have any secondary condition or complication associated with this condition?
- What is the severity of your symptoms?
This information will help insurance companies in deciding a premium rate for you.
Premium Rate for Life insurance policy
The insurer may request a report from your general physician. Insurance usually pays for this as it helps in keeping up with the severity of the condition. The goal is to get a clear picture of your condition and its impact on your daily health. This is where you can get life insurance, often with higher premiums. In general, more severe symptoms mean higher premiums.
Hence if your condition is old, and symptom severity is low u can get a lower premium rate for your condition.
Critical illness cover
It’s a challenging process to get critical illness cover if you have brittle life insurance. You’ll need to give details regarding your health condition and how it affects your work and everyday life. You’ll also need to submit a GP report to the insurer. If you have severe complications due to the disease, you might get higher premium rates or in some cases can be denied cover. It entirely depends on the severity of your condition.
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