What is Hematoma?

A hematoma or subdural hematoma is a genuine condition where blood gathers outside the bigger veins. It is typically brought about by a head injury or injuries. Side effects of a hematoma can include:

  • Headache that keeps getting worse or feeling sick
  • Confusion and personality changes or mood swings
  • Feeling drowsy and unconsciousness
  • The symptoms can be seen soon after a severe head injury (acute subdural hematoma), or very occasionally or weeks after a more minor head injury (subacute or chronic subdural hematoma).

Can I get Life insurance following post-Subdural Hematoma?

Several people wonder whether they will be able to arrange life insurance on the off chance that they have encountered hematoma of the brain. A significant number of them state that they have just made an application; however, they were either declined or were offered high charges. However, in general, life insurance protection can be accessible to individuals who have had hematoma of the brain. Having said that, insurance providers access each person on their own merits and arranging a life cover will depend upon

  • Your age at the time of diagnosis
  • What treatment have you undertaken
  • The time since any operation you may have undergone

 In case you are fully recovered and it has been a long time since you recovery and have no secondary condition linked to your hematoma condition you may be able to secure life insurance at standard terms i.e., a small premium increase But if your condition was recent and has left a secondary condition you might either be offered a very high premium for the policy and sometimes likewise be declined for the policy however this will rely upon the insurance provider underwriting guidelines as every insurer have their way of underwriting and viewing a condition.

Please note that while accessing your application insurance underwriters might want to speak to your GP to fully understand your condition and its effects on your life and overall health which will help them underwrite your application fairly. This is a standard process and should not concern you.

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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