IBS is common in the UK
IBS or Irritable Bowel Syndrome is a very commonly found disease, again prevalent more in women than in men. According to some studies, IBS affects every 2 in 10 individuals in the UK and occurs between the ages of 20 and 30 years.
What is Irritable Bowel Syndrome?
It is a digestive disorder that causes painful stomach cramps or bowel movement. It is commonly associated with stress or after eating a certain type of food, against which the body has developed an intolerance. It often flares up in the form of diarrhoea, mixed bowel movement or constipation.
It usually does not impact getting life cover
Given that it is common, it is a possibility that people already suffer from IBS when applying for life insurance. Therefore, the existence of IBS is unlikely to affect a person getting life cover. However, like with all pre-existing conditions, it is important to disclose the existence of the disease if you have one.
The insurance company will seek more details
Like with all pre-existing conditions, the insurance company would like to get more details about your present condition and any other medical history before giving you the cover.
The insurance company will have some questions about your condition and they can be as follows:
- When were you diagnosed with IBS?
- How often do you suffer from IBS in form of stomach cramps etc?
- Is your condition linked to any other reason like stress or anxiety?
- Are you on any medication for IBS?
- Did you ever have to take time off from work due to IBS?
The severity of the condition will impact terms of the policy
The amount of cover, the type of policy and the term for the policy will all depend on how severe your condition is or has IBS led to any other medical complications for you. In most instances, you may get the policy on standard terms, but if there is a related medical complication, your premium amount may go up.
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