Chronic Fatigue Syndrome Life Insurance

Health conditions high risk insurance chronic fatigue

We know that the symptoms of chronic fatigue syndrome and the way it affects each person can differ considerably. Life insurance for people with chronic fatigue syndrome may be available on normal terms with some insurers, provided that your condition is well managed.

Insurers will be interested in:

  • The severity of your condition?
  • The frequency with which it affects you?
  • Any time you have had to take off work as a result of your chronic fatigue syndrome?
  • Any secondary conditions (for example, depression)?

Depending on the above, you may be offered a policy on standard or non-standard terms (higher premiums).

Our team have expertise in finding the most appropriate life insurance for people with chronic fatigue syndrome and can explain the application process for you without jargon!

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Chronic Fatigue Syndrome Critical Illness Cover

When you apply for critical illness cover with chronic fatigue syndrome, you'll need to provide information about you're the CFS and your health overall. Ultimately, the insurer is going to need to understand how much the condition affects you on a day to basis and the full extent of the symptoms you suffer.

Your insurer may ask for a report from your GP, at their expense, to get a full picture of your overall health, as well as treatment and medications that you use. It is not uncommon for the cover to be offered, but with certain medical conditions being excluded. The availability of standard or non-standard terms will depend on your particular circumstances and the information above.

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Chronic Fatigue Syndrome Income Protection

Income Protection when you have chronic fatigue syndrome, can be available in some circumstances. However, your application may be passed to a specialist insurer who will then consider your case carefully. If you have suffered from chronic fatigue in the past but have had no recent symptoms and you have no secondary conditions, then you may be offered income protection insurance on standard terms.

If, on the other hand, you have current symptoms of chronic fatigue syndrome or any other secondary conditions impacting your day to day health, income protection policies might be more difficult to arrange. We are happy to approach our insurers with your personal circumstances to see what they could offer and simplify the process as much as possible for you.

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Chronic Fatigue Syndrome Travel Insurance

Chronic Fatigue Syndrome is a condition that also may affect your travel insurance application. So, if you are heading off on holiday. Or for a short break, speak to a specialist. Find out more by visiting our travel page here.

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What is Chronic Fatigue Syndrome

Chronic fatigue syndrome is a long-term illness that causes severe fatigue regardless of the amount of rest a person has had. There is no definitive cause of chronic fatigue syndrome but it is believed that a viral infection, immune system problems, hormone imbalance, genetics, high stress or a traumatic event could be the cause. People that have this condition can face difficulty getting other people to understand the illness, as there can be a negative perception that it is just over tiredness.

Also: Myalgic encephalomyelitis (ME), CFS

Linked with: Insomnia, depression, panic attacks

Possible Effects on Lifestyle

Some people may experience some or all of the following symptoms and problems:

  • Thorough planning of activities and daily structures
  • Balanced diet regime
  • Relapses
  • Extreme tiredness
  • Nausea
  • Poor concentration
  • Brain fog
  • Stomach pains
  • Heart palpitations

Medications and Treatments

  • Graded exercise therapy (GET)
  • Cognitive behaviour therapy (CBT)
  • Anti-depressants (Amitriptyline)
  • Anti-emetics

Further Reading and Research

Common Questions

1. I have depression associated with Chronic Fatigue Syndrome. Will I be asked about this on a life insurance application?

Some sufferers of chronic fatigue syndrome do suffer secondary conditions as the result of their condition. You will need to declare this during the application process and will be asked to provide further information about the impact this has on your day to day health. Please do not worry though, this is what we are here for!

2. I no longer have Chronic Fatigue Syndrome. Will I be able to get standard terms life insurance?

If you've previously suffered with Chronic Fatigue Syndrome but have not experienced symptoms for some time, you may be able to get life insurance on standard terms. It will depend upon a number of factors and the best thing to do is speak to one of our industry trained advisers.

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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.