What is Osteoarthritis and can it affect your life insurance application?

Osteoarthritis is the most common form of arthritis. The cartilage located between the bone joints gets worn off. It leads to a lot of discomforts and even stiffness.

While the pain can go away with over-the-counter medicines, but some people may have severe symptoms too.

The question is – Does life insurance cover osteoarthritis?

Although it is not a life-threatening condition, the underwriting process is still important.

The underwriting process will be a little complicated here considering there are hundreds of arthritis types. But, you can answer the questions as truthfully to get the best life insurance quote.

What would the underwriters ask you?

The underwriters will ask multiple questions to you. They want to know the following things:

  • What is your age?
  • Do you indulge in risky adventure activities?
  • What is your health history like?
  • Do you smoke?
  • Do you drink?
  • When were you diagnosed with this condition?
  • How do you manage the condition?
  • Have you made any lifestyle changes?
  • Do you have the ability to work full-time with your condition?
  • Do you use a cane or a walker?
  • Did this condition cause any type of deformity?

By answering these condition-specific questions, the insurers will gather information about your health status.

A medical exam will be scheduled to assess your health condition. After all this, the insurers will decide whether or not they should approve.

Will the cost be high?

Osteoarthritis life insurance premium cost will be lower if you can manage your condition well. Quit smoking, eat healthily, lose weight, and follow what the doctor says!

You can also compare plans and see where you get the best quote.

Living life with Osteoarthritis is not difficult! However, you need to improve the quality of your life by taking care of your health. If the condition is well under control, you will get the life insurance at a cheap 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
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