What is Crohn’s disease?
It is an inflammatory bowel disease (IBD). It can cause inflammation of your digestive system, which can result in abdominal pain, severe diarrhoea, fatigue, weight loss and malnutrition. Some may not have any symptoms throughout their lives, while others can have severe chronic symptoms that never go away.
Impact of Crohn disease on your life insurance:
The cause of Crohn’s disease is yet to be discovered with symptoms most commonly starting between the ages of 10 & 40. With regard to a life insurance application, a person who suffers from Crohn’s disease who wishes to check their eligibility for such cover will have to consider several factors. First of all the severity of the condition is of particular relevance i.e., if someone who has been diagnosed for 6 months or more with Crohn’s disease and the condition is well managed with mild to moderate symptoms will find they have a wide choice of insurance and products to choose from. For more severe cases, the job does become harder, in addition to this your insurer might get in touch with your doctor to get more specific details about your condition over and above what will be provided during the application.
Below mentioned are some of the common question you may come across if you are suffering from Crohn disease and applying for life insurance:
- When were you first diagnosed?
- Are you waiting for reports or referral for any scans, tests, investigations or surgery?
- Have you suffered any severe symptoms such as eye problems, joint pain, Liver disease, etc?
- What treatment are you on (e.g. Steroids, Immunosuppressant or hospital treatment)?
- Have you ever been hospitalized due to related issues?
- When did you last experience any symptoms?
Make sure you answer all the questions with accuracy so that later on you don’t have to face any glitch related to your claims.
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