Hypermobility syndrome is a condition that affects the collagen in an individual’s body. Those diagnosed with the condition are rated on a Beighton scale of 1 to 9 depending upon the severity of their joint elasticity. This condition has a degree of flexibility within their joints and is mostly seen within the fingers, wrists, elbows, knees, hips and ankles. It typically presents itself during puberty and is most common in females. Due to the high flexibility of the joint muscles, those with this condition are more likely to experience breaks and sprains than others.
Securing Life insurance with Hypermobility:
Whilst being a contortionist may sound cool to some people, for many with Hypermobility syndrome it can cause far more trouble than it’s worth. As a Hypermobility carrier your insurer would require the following details about your condition:
- When were you diagnosed?
- What are your symptoms?
- When did you last experience flare-ups?
- Do you take any medication?
- Any requirement for mobility aids?
- Are you able to work? And have you been diagnosed for related conditions e.g. Marfan’s syndrome etc?
Some insurance providers are a bit cautious when it comes to obtaining Life Insurance for people with Hypermobility syndrome. Some insurers will automatically link the Hypermobility to Ehler-Danlos Syndrome, with it being known as EDS Type III, and class it as a more severe condition than what it is. This is unfortunate and you must approach an insurer that can understand your condition correctly.
Hypermobility Life Insurance Premiums:
When applying for Life Insurance, the insurer would like to know how long you have been diagnosed with hypermobility syndrome and if you can control your symptoms with medication, treatments or changing your lifestyle. Considering the insurer you choose, your hypermobility syndrome is not likely to impact your Life Insurance application, unless you have had a significant injury or have major musculoskeletal issues. If the symptoms of your hypermobility condition are mild, your Life Insurance policy is likely to be offered at normal rates. In case of a recent flare-up of symptoms or the hypermobility impacts majorly upon your day-to-day living and ability to work, then the insurer may offer Life Insurance at non-standard rates in the form of an increased premium rate.
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