Is income protection available for people with asthma?
People with asthma generally work full time and will usually have the same income protection requirements as anyone else. You should consider taking out cover to protect your income if you don’t get support from your employer or if you’re self-employed.
Generally, if your condition is mild to moderate and you’re not experiencing any issues then you will be fine for this type of cover. Most people in this situation should have absolutely no limitations and will be able to get the cover they need. If you’ve had recent issues with attacks or treatment then you may find other questions are asked.
On some rare occasions where the symptoms are more severe or your treatment is stronger, then there could be some limitations. There are other similar products available for people who are unable to get coverage through the normal routes. Income protection can be complicated because of the number of options available. Think about what you need and how much you want to pay then try to fit something that fits your situation.
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Asthma income protection amounts of cover
Income protection is a very flexible product with a lot of options and variables so you need to consider your own circumstances before you consider this type of policy. If you work and especially for people who are self-employed, an Asthma income protection policy can be a valuable product to give you peace of mind if anything happens to you. Some of the main aspects to consider are:
- Mortgage or rent payments
- Cost of living
- Household bills
- School fees
- And more…
Those with mild symptoms who apply for Asthma income protection are generally accepted with no increase to premiums. In more severe cases, however, where there are more frequent attacks and related time off work, it may not be possible to get an Asthma income protection policy depending on your health and severity of symptoms.
You can click here or call 0800 009 6559 speak to one of our team of experts to talk about your options and whether this applies to you.
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Useful resources
Asthma + Lung UK
Asthma + Lung UK are the UK's leading charity focusing on lung health and respiratory conditions. They consistently campaign for changes to improve the nation's access to better respiratory care, with their main mission being 'a world where everyone has healthy lungs'.
There are a lot of useful resources on their website, which includes links to find local support groups and free online guidance for living with lung conditions like COPD, asthma, sleep apnoea, and more.
Contact Asthma + Lung UK
Telephone - 0300 222 5800
Email - info@asthmaandlung.org.uk
Follow Asthma + Lung UK
