What is asthma?

Asthma is the condition which causes inflammation of bronchi, commonly known as airways. When one suffers from asthma, oxygen tubes become inflamed after contact with an irritant, causing tightness in the chest and difficulty breathing. In simple terms, it can be classed into two forms; mild and well-controlled asthma; severe and uncontrolled asthma.

Asthma and Life Insurance:

Comprehensively for the majority of people suffering from asthma, the condition has very little effect upon their lifestyle. It is usually very easily controlled by using inhalers. This means that for the majority of cases, asthma is not seen as a serious condition by many insurers. The times that insurers start to have a diminished view at your application is if you have been hospitalized at any point due to asthma, required oral steroids or if it impacts your ability to work. This simply implies that for many people with asthma, standard terms for life insurance are often available.

Things your insurers will want to know:

  • How many attacks have you had over a certain period?
  • Whether you have been hospitalized due to asthma-related complications?
  • What medication do you use?
  • Do you smoke or have any other lifestyle habits that may worsen your condition?

If you have particularly severe asthma and are hospitalized as a result or have frequent attacks and require oral steroids, then you may not be offered standard terms for cover. In this case, policies with special terms often in the form of an increased premium will be an option available to you.

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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