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Life Insurance

Life Insurance for those with haemochromatosis may be available at standard terms if the condition is well controlled. The insurer that you approach for Life Insurance will probably want to see a report from your GP that will detail the severity of the haemochromatosis, the treatments that are in use, medications you take and how the condition generally affects your health. The insurance provider will likely want to confirm that you have regular phlebotomies (blood lettings). Where haemochromatosis is viewed to present significant impacts to your health and/or secondary illness' have developed the insurer may choose to offer your Life Insurance at non-standard terms (a premium increase).

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Critical Illness Cover

Critical Illness Cover for people with haemochromatosis may also be available at normal terms where the condition is well controlled. Again, the insurer will likely want to see a report from your GP detailing the time since diagnosis, severity of your symptoms and the types of treatment that are used to control the condition. For those who have marked symptoms of haemochromatosis and/or have been diagnosed with additional medical conditions, it is possible that the insurer may offer Critical Illness Cover at special terms (a premium increase or exclusion on the policy claims set).

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Income Protection

Income Protection for those with haemochromatosis can be available at standard terms if the condition is well controlled and there are no associated secondary conditions. The insurance provider that you approach will be particularly interested in any time off work that you have had due to your condition. Your Income Protection policy will be underwritten using your application and a report from your GP detailing the full extent of the condition. If the haemochromatosis is not well controlled you may be offered Income Protection at non-standard terms (a premium increase or exclusion on the policy claims set).

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If you find that Income Protection is not available to you or the terms offered are not to your liking, it could be worthwhile considering Accident, Sickness and Unemployment Cover. This type of cover will pay a monthly income replacement for 12-24 months if you are unable to work due to injury, long-term disability or involuntary redundancy. Accident, Sickness and Unemployment policies are not medically underwritten meaning that your haemochromatosis will have no bearing upon the policy acceptance terms. However, any claim that you place will exclude any pre-existing conditions including the haemochromatosis.

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Some potential problems experienced by individuals who have haemochromatosis include:

  • Family planning
  • Avoiding alcohol
  • Avoiding iron rich food

Medications and Treatments

  • Chelation therapy
  • Deferasirox
  • Liver biopsy
  • Regular phelbotomys
  • Serum ferritin
  • Transferrin saturation

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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

An inherited condition, haemochromatosis occurs when there is a fault in the HFE gene. The condition results in the affected absorbing too much iron from the food that they eat. Diagnosis of haemochromatosis typically occurs in the middle-aged of white European descent.

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