We understand that being diagnosed with an acoustic neuroma can be a worrying time. Even, though the tumour is non-cancerous, it can still be scary to hear that you have a lump growing in your brain. At Cura, it is our job to listen to your story, help you decide what your insurance needs are, and find an insurer that matches your circumstances.
Things we need to know:
Life Insurance for people who have had an acoustic neuroma may be available at standard terms, provided that surgical removal has occurred and there are no lasting symptoms . The insurer that you approach will probably want to see a report from your GP to confirm details of the brain tumour, time since surgery and your general health since the operation.
If you still have the acoustic neuroma, you may be able to get Life Insurance, if it can be shown that it has not grown for some time and that it does not affect your daily living. If the acoustic neuroma is causing you difficulties, or you are due surgery, we will need to speak to a specialist provider for your Life Insurance.
Critical Illness Cover for those who have had an acoustic neuroma may be available at normal terms, a few years after surgery has taken place, provided that there are no lasting complications. It is possible that there may be an exclusion for benign brain tumours placed on the policy. If you have long lasting hearing complications, deafness may also be excluded from the policy. As with Life Insurance, the insurer will want to see a report from your GP to confirm all the details regarding the tumour: date of diagnosis, date of removal, size of the tumour. This is a standard process and should cause you no concern.
If you are due surgery in the future, or if the acoustic neuroma is still present, you will probably need to speak with a specialist insurer to arrange Critical Illness Cover.
If you have had an acoustic neuroma, Income Protection may be available a few years after surgery has taken place. The insurer will want to know if you have any lasting complications following the surgery. In general any policy terms that you are offered will probably be at non-standard rates, in the form of a premium increase, or an exclusion on the policy claims set. The insurer will again want to speak with your GP and will be interested in any time off work you have had due to the tumour. When you arrange your Income Protection policy, you should aim to get insured under an 'own occupation' definition.
In general any policy terms that you are offered will probably be at non-standard rates, in the form of a premium increase or exclusion.
For people who still have an acoustic neuroma, are due surgery, or have long-term symptoms following the tumours removal, it may be that Accident, Sickness and Unemployment Cover is a policy to consider. This type of policy offers income replacement for between 12 and 24 months, if you cannot work due to ill health or involuntary redundancy. Accident, Sickness and Unemployment policies are not medically underwritten, so your history of having an acoustic neuroma will have no bearing on your eligibility for the cover. But, the policy will exclude any claim relating to existing medical conditions.
Are you going on holiday? We work alongside a specialist travel insurance broker, that can help you to find insurance after having had an acoustic neuroma. To find out more, please visit our travel page here.
What is Acoustic Neuroma
Acoustic neuromas are benign brain tumours, which mean that they are a non-cancerous growth that develops in the brain. Acoustic neuromas develop slowly over a number of years and eventually cause issues with a persons hearing and balance. Acoustic neuromas are monitored to determine if they begin to grow too large at which point surgery and/or radiosurgery are likely to be performed. It is possible for acoustic neuromas to return after treatment.
Also: Vestibular schwannoma
Possible Effects on Lifestyle
Some potential problems experienced by individuals who have acoustic neuroma include:
Medications and Treatments
Further Reading and Research
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1. I have an acoustic neuroma and my bank has declined my life insurance application. Are there any insurers that will cover me?
Yes. There are insurers that can offer you life insurance. You would not believe how often people are refused life insurance through their banks! You will need to pick and choose the right insurer for you, some will be ok with you still having the tumour, others will want to postpone your application until after you have had the acoustic neuroma removed.
2. I had an acoustic neuroma removed 4 months ago. Can I get life insurance?
Yep. Some insurers will want there to be a bit more time, between you having the surgery, and them offering you life insurance. Don't worry though, even if that is the case on the standard market, there are specialist insurers that will be able to offer you the life insurance.
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