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Life Insurance

When you apply for Life Insurance, gout is a condition that you will need to disclose in your medical history if you have had symptoms within the last few years. For many, where gout is restricted to a single joint, it will have no impact upon the Life Insurance application and the policy will be accepted at standard terms. Where the gout is present in multiple joints, the flare ups are frequent or there are additional medical disclosures to make (such as high blood pressure or kidney trouble), the insurer may wish to speak with your GP to establish a clear picture of your health. In these circumstances your policy may be subject to a small premium loading. In some circumstances, if the crystallisation is very severe then cover may be declined.

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Critical Illness Cover

Critical Illness Cover for those with gout will be treat in a very similar way to a Life Insurance application. The insurer will be most interested in the severity and regularity of your flare ups, as well as any other significant medical conditions that you have. As with the above, the insurer may decide to speak with your GP in regards to your health if your Critical Illness application has added disclosures. Where the gout is present in one joint it is likely that your policy should be accepted at standard terms. If however the gout is present in multiple joints, the symptoms are frequent or you have other conditions such as blood pressure or kidney problems then the price of cover may be increased.

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Income Protection

Income Protection for people with gout is often treat in the same manner as Life and Critical Illness applications. Mild cases of gout can often be accepted at normal terms. If there has been recent flare ups in multiple joints then there is a chance that the premiums for Income Protection will be increased. It is likely that gout will not be excluded from an income protection plan. It is worth noting that insurance companies' views on gout differ greatly so it is worth speaking to an insurance broker before arranging cover.

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Possible Effects on Lifestyle

Some potential problems experienced by individuals who have gout include:

  • Peeling and flaky skin
  • Difficulty wearing clothes over the affected area
  • Vascular disease

Medications and Treatments

  • Allopurinol
  • Arcoxia (Etoricoxib)
  • Benzbromarone
  • Colchicine
  • Diclofenac potassium (Voltarol Rapid)
  • Diclofenac sodium (Dicloflex, Diclomax, Econac, Motifene, Voltarol, Voltarol Dispersible)
  • Febuxostat (Adenuric)
  • Fenactol
  • Indometacin
  • Ketoprofen (Keotcid, Ketovail, Orudis, Oruvail)
  • Naprosyn
  • Naproxen
  • Probenecid
  • Sulfinpyrazone
  • Zyloric

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Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

Summary definition

Gout occurs when there is a build up of excess uric acid that is not being effectively removed from the body by the renal system. Gout flares up often occur within the big toe, but it can present itself in any joint, causing the area to become inflamed and painful to the touch.

Gout onsets over a period of a couple of hours and usually lasts between 3 to 10 days. Gout is an extremely painful condition that affects 1 in every 200 adults (more commonly men) and is often treated with painkillers, it can be a one off or a frequent occurrence for people.

Other Services Available

You can apply for any of the following services through ourselves

* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.

Further Reading and Research