What is Rheumatoid Arthritis?

‘Rheumatoid Arthritis’ most commonly affects women in their 40’s and 50’s. It is a result of the body’s immune system attacking the joints, as the immune system goes about breaking down the joints it causes symptoms of pain and burning sensation that are often the worst first thing in the morning.

Impact of Rheumatoid Arthritis (RA) on Your Life and Critical illness cover:

Rheumatoid Arthritis is typically not considered to be a big risk for insurers as it is not a fatal disease; however, there are side effects from the drug treatments and extra complications that can represent a risk to insurers. Insurance providers will investigate your condition thoroughly before providing you with a cover.

When applying for Life Insurance, rheumatoid arthritis should be detailed to the insurer; including the time of last symptoms, medications were undertaken and how regularly you have flare-ups. Your policy will be accepted with ordinary rates through to special terms (increased premium) depending upon the medication undertaken and any other major medical disclosures that you make. Rheumatoid arthritis Life Insurance with mild symptoms, low strength medication and well-controlled condition, can result in standard terms being offered for cover. Stronger medications and severe symptoms will probably result in the policy being accepted with premium loadings.

In terms of Critical Illness Cover with rheumatoid arthritis will be similarly reviewed by the insurers as with Life cover. The insurer will be keen on the medications that you take, the severity of your condition and whether you have any other significant disclosures in your medical history. Where you are still on medication or have regular flare-ups it is likely that you will be offered special terms on the policy, which involves either a premium increase or an exclusion of rheumatoid arthritis and related conditions from your policy claims set. Critical Illness Cover applications that detail a severe version of the condition, additional medical disclosures or strong medication could result in your application being declined.



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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