OVERVIEW OF BELL’S PALSY AND INCOME PROTECTION

Bell’s Palsy is a condition that affects the face muscles, rendering one side of the face weak and without movement. In most cases, patients recover fully and regain movement of face muscles after approximately 9 months. Thus, it becomes vital to get an income protection.

While the specific cause is yet to be known, National Health Services (NHS) reports speculating that it is associated with the herpes virus.

REASONS TO GET AN INCOME PROTECTION INSURANCE WITH BELL’S PALSY

Given the nature and manifestation of Bell’s Palsy, it is crucial for someone who has a history of episodes to acquire an Income protection cover. When face muscle weakens, it becomes entirely difficult to function properly, including at work.

This implies that upon contracting Bell’s Palsy, patients lose their source of income which goes on to affect their family’s livelihood.

Additionally, Income protection insurance can share in easing the burden of paying for medical expenses for the applicant.

To determine your total Income protection premiums, your insurance provider will require that you provide information enhancing your history of Bell’s Palsy such as how long you have stayed out of work due to the disease. It is highly advised to call an insurance expert who will help you go through your policy options from different insurance companies.

WHAT YOU CAN EXPECT

Most insurers will offer an Income protection insurance at a flat fee, especially if the applicant has not had a recent episode and manifestation is mild. These rates can, however, vary from one insurer to the other depending on their perception of the risk posed by the presented medical history.

In cases where Bell’s Palsy is brought along by a neurological disorder, insurers might opt to apply exclusions to your policy or rarely decline your application.   



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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