Musculoskeletal Disorders are disorders that affect the locomotor system of any individual, this includes more than 150 conditions and affects mainly muscles, bones, joints and tissues associated like tendons and ligaments.

Musculoskeletal Disorders can be sudden occurring and short-lived which mainly describe fractures, sprains, strains etc or they can include lifelong conditions that are associated with continuing pain and physical disability.

The most causing and long term musculoskeletal conditions include osteoarthritis, pain in the back and neck, also fractures that cause bone fragility, injury and inflammatory conditions like rheumatoid arthritis etc.

Musculoskeletal Disorder and Life Insurance

The cost and availability of life insurance for patients with musculoskeletal disorders will largely depend on the specifics of the medical condition of the patient. This includes the severity diagnosis, treatment and any other surgical procedures that may have undergone to deal with the condition.

The insurance underwriter will ask various questions related to your medical condition and will process your application to calculate the risks involved for the insurance company in providing you with life insurance. In most cases, the insurance providers will contact your GP, with your consent to get a better idea of your medical condition.

The underwriter may ask you the following questions while you apply for life insurance:

  • The diagnosis of your musculoskeletal disorder.
  • The type of musculoskeletal disorder
  • The severity of your condition
  • Medication and treatment are undertaken by you to deal with the condition
  • If you require additional support in the form of a walking aid etc to help you with your day to day activities
  • If your condition has led you to develop additional medical conditions
  • If you are due to undergo any medical procedure for your condition or if you have already undergone surgery.

If you have recently undergone a medical procedure for your condition, the insurance providers will most probably decide to postpone your application until a future date.

If you have a surgery due, the insurance providers will want to wait until you have undergone the surgery and have waited for a minimum period of 12 months.

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
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