What is Crohn’s disease?
It is not exactly known why people get Crohn’s disease but once you get this disease there is no cure for it. Crohn’s disease is a chronic inflammatory disease of the digestive tract. Symptoms of this disease include abdominal pain and diarrhoea, anaemia, fatigue, weight loss among others. Crohn’s treatment consists of lifestyle changes, such as exercise and a healthy diet. This disease can sometimes cause life-threatening complications. Some people may be symptom-free most of their lives, while others can have severe chronic symptoms that never go away. Medications such as steroids and immunosuppressants are used to slow the progression of the disease. If these aren’t effective, a patient may require surgery. Additionally, patients with Crohn’s disease may need to receive regular screening for colorectal cancer due to increased risk. If effectively treated, Crohn’s disease can be mild.
Is it difficult to get insurance with Crohn’s disease?
It depends on individual condition as people with severe conditions will find it difficult to get a health cover while people with mild symptoms may get it easily Most people suffer from minor to moderate symptoms and generally gets it easily maybe with a minimal increase in premium.
What do insurance companies consider before providing a cover?
Insurance companies generally ask a set of questions and evaluate your health condition before providing a cover. Usually, insurance providers ask that when have you been diagnosed with the disease, would look into your scans and test reports and investigate if you had any surgeries or likely to have any surgery. Also, if you have been hospitalised anytime because of Crohn’s disease, and if there are any other illnesses you may be suffering from.
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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