Ménière’s disease is a medical condition of the inner ear that can lead to dizzy spells (vertigo) and loss of hearing. Mostly, this disease starts only one ear but in due course of time may involve both. It can occur at any age, but it often starts between young and middle-aged adults. Few problems experienced by those with Ménière’s disease include:
- Dietary restrictions
- Vestibular rehabilitation
Life Insurance and Ménière’s Disease
Life Insurance for those with Ménière’s disease can often be offered at standard terms provided that symptoms are not severe and no related illnesses are contributing to your health. If there are any secondary conditions diagnosed then the insurer would like to speak with your general practitioner to get a clear picture of your overall health before offering cover.
Critical Illness Cover with Ménière’s Disease
Critical Illness Cover for those with Ménière’s disease will generally be accepted at non-standard terms, in which deafness exclusion is applied to the policy.
Income Protection for people suffering from Ménière’s disease may be available at standard terms provided that the condition displays few symptoms and those that do occur are very mild. If the condition causes severe symptoms or has caused time off work then the insurer may apply an exclusion on the policy for any claim linked with Ménière’s disease or hearing problems. Where the condition is severe application may also be declined.
If the terms offered for Income Protection do not meet your requirements then you can also consider the alternative of an Accident, Sickness and Unemployment covers. An Accident, Sickness and Unemployment policy will pay a short-term monthly income replacement if you are incapacitated to work due to disability, long-term illness or involuntary redundancy. Applications for this type of covers are not medically underwritten-meaning that your diagnosis of Ménière’s disease will not have any effect on your policy acceptance terms.
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