Asthma Life Insurance

Health conditions high risk insurance asthma

We understand that for the majority of people who have asthma, the condition has very little adverse effect upon their lifestyle and is often very easily controlled by simply using inhalers. As a result, it is not seen as a serious condition by many insurers. What that means for you is that standard terms are often available.

What the insurer will want to know are things like:

  • How many attacks you have had over a certain period?
  • Whether you have been admitted to hospital for asthma related complications?
  • What medication you use?
  • Whether you smoke or have any other lifestyle habits that may worsen your condition?

If you have particularly severe asthma and have been, for example, admitted to hospital as a result or have frequent attacks and require oral steroids, then you may not be able to get standard terms cover. In this case, policies with special terms and increased premiums will probably be the option available to you.

But we've made it our job to help those with asthma, however severe or otherwise, their condition is, to get the most appropriate and competitive cover.

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Asthma Critical Illness Cover

Critical illness cover could well be available to you on standard terms, if your asthma is mild to moderate, well controlled with inhalers and has not resulted in hospital admissions.

All of this information and more will be asked on application.

The insurer will also want to know whether you've ever had to have time off as the result of your asthma or conditions relating to it.

If your condition is more severe and, for example, you suffer many attacks that need controlling with oral steroids or you have had to be admitted to hospital, then the insurers might offer policies with increased premiums.

Get a Critical Illness Cover Quote

Asthma Income Protection

It's a similar story for those with asthma when applying for income protection cover too. Again, you can expect to be asked about the severity of your condition, what medication you need, the frequency of attack, time off work and any hospital admissions.

We're keen to stress that asthma is not regarded as a serious condition by most insurers. The amount of time off work will be more important with this type of policy and it may be the case that even people with mild, easily controlled symptoms, you may have to pay increased premiums.

Get an Income Protection Quote

You also may wish to consider Accident, Sickness and Unemployment Cover that will provide you with short-term income protection of between 12 and 24 months. The policy is not medically underwritten so your asthma will not impact upon the policy premiums or your eligibility for the policy. However, you must be certain that you fully understand that any claim made on the policy will be subject to medical evidence and any asthma related conditions will be excluded from your claims potential.

Get an Accident, Sickness and Unemployment Quote

Asthma Travel Insurance

If you're planning a holiday or a getaway in the near future, then speak to a specialist travel insurance broker who can help you to get the right cover that takes into account your asthma.. Find out more by visiting our travel page here.

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What is Asthma

Asthma is caused by the inflammation of the bronchi within the lungs, causing a feeling of tightness and breathlessness in an individual. An asthma attack can be triggered by a number of factors including environmental allergens, overexertion and as a reaction to medication, to name but a few. There are a number of reasons that an individual can develop asthma which include a low birth weight, exposure to smoke, other atopic conditions and a familial predisposition to the condition. Many asthmatics effectively control the condition through the use of preventative inhalers (daily use) and reliever inhalers (reactive to an attack).

Also: Exercise-induced asthma, Cough-induced asthma, Occupational asthma

Linked with: Atopic conditions, bronchiolitis, allergic rhinitis, sinusitis, gastro-oesophageal reflux disease (GORD)

Possible Effects on Lifestyle

Some potential problems experienced by individuals who have asthma include:

  • Sensitivity to allergens
  • Difficulty exercising
  • Emotional triggers e.g. laughing, stress, etc

Medications and Treatments

  • Aminophylline (Phyllocontin)
  • Asmanex
  • Atrovent
  • Bambuterol (Bambec)
  • Beclometasone dipropionate/Formoterol fumarate dihydrate (Asmabec, Beclazone, Clenil Modulite, Foradil, Fostair)
  • Becodisks
  • Bricanyl
  • Bronchodilator
  • Budesonide (Entocort, Pulmicort, Rhinocort)
  • Budesonide/Formoterol fumarate dihydrate (Symbicort)
  • Ciclesonide
  • Dexamethasone sodium phosphate (Dexsol)
  • Fenoterol/Ipratropium (Duovent)
  • Flixotide
  • Fluticasone/Salmeterol (Seretide)
  • Hydrocortisone Sodium Phosphate (Efcortesol)
  • Hydrocortisone Sodium Succinate (Solu-Cortef)
  • Ipratropium (Respontin)
  • Kenalog
  • Ketotifen (Zaditen)
  • Methylprednisolone (Medrone)
  • Methylprednisolone acetate (Depo-Medrone)
  • Methylprednisolone sodium succinate (Solu-Medrone)
  • Mometasone
  • Nedocromil Sodium (Tilade)
  • Omalizumab (Xolair)
  • Oxis
  • Prednisolone (Deltacortril)
  • Prednisolone acetate (Deltastab)
  • Prednisolone Sodium Phosphate
  • Preventer Inhaler
  • Reliever Inhaler
  • Salbutamol (Asmasal)
  • Salmeterol (Serevent)
  • Singulair
  • Sodium Cromoglicate (Intal)
  • Terbutaline
  • Theophylline
  • Triamcinolone
  • Ventolin
  • Zafirlukast (Accolate)

Further Reading and Research

Common Questions

1. I was diagnosed with asthma as a child bit haven't had an attack in adulthood. Do I have to inform an insurer?

It all comes down to the questions that the insurer asks. If they ask if you have ever had asthma then yes, you certainly need to inform them. The fact that your condition is well controlled and you've been free of attacks for so long will stand your application in good stead and increase your chances of a policy on standard terms.

2. I was admitted to hospital a few months ago after an asthma attack. Will that affect my life insurance?

A more recent attack resulting in hospital admission is likely to mean your condition is regarded as more severe. It doesn't rule out life insurance but could mean you are offered a policy with higher premiums. Depending on how your health is now, any treatment plans that you have or outstanding investigations, you may find that your application is declined with some insurers for now. Do not worry though, we specialise in knowing which insurers are going to be right for you, and can get you the cover that you need.

Client Reviews

The Special Risks Bureau has been rated 5.0 out of 5 based on 361 reviews.

Review by Paul on 1st October 2018

I cannot praise the service that I received too highly. Experienced , knowledgable and professional team but with a very personal touch. Throughout the process I was kept well updated and all of my queries were dealt with promptly and efficiently. Every aspect was excellent. - 5 Stars

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Kathryn Knowles, Managing Director

Dr Kathryn Knowles Phd

This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here.