Dermatomyositis is an inflammatory condition that causes skin rash and muscle weakness. It is a rare disease and is usually chronic. If you are suffering from this condition and have life insurance, you might be wondering: does life insurance cover dermatomyositis?
To answer that question, you would have to ask your insurance provider. This is because the terms of your insurance are based on your circumstances at the time of application. If you weren’t diagnosed with the condition when you were given life insurance, it may not be included in your cover. However, many insurance providers automatically cover dermatomyositis in their policy. To clarify, you must check with your insurer.
Life insurance application
If you are suffering from the condition and are yet to apply for life insurance, this section will tell you everything you need to know about the process.
Once you have applied for dermatomyositis life insurance, your application will go through the underwriting process. This is done to evaluate your level of risk. Because you have a serious health condition, your level of risk is likely to be higher than normal, which is why you may be offered insurance at specialist terms rather than standard terms.
This means that your premium is higher than the standard. The exact amount of premium you’ll have to pay will depend on your level of risk.
To evaluate this, the insurer will ask you several questions about your condition. The following are the most common ones that you should be prepared to answer:
- In which areas does dermatomyositis affect you?
- When were you diagnosed with the condition?
- What are your symptoms?
- How severe are your symptoms?
- What treatment are you undergoing?
- What medication are you taking?
- How has the condition affected your daily life? For example, have you had to take time off of work?
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