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Crohn’s disease income protection

Income protection or accident and sickness style policies can be a lifeline if you’re unable to work. This type of cover would pay out if you’re unable to work because you were ill or involved in an accident.

For people with mild to moderate Crohn’s disease symptoms, it should be pretty straightforward to get covered in most cases. There’s a range of different insurance companies for us to consider in these cases and lots of options to choose from generally.

What is income protection insurance?

Income protection insurance will provide monthly payments to you, if you are unable to work due to illness or injury (signed off for 4 or more weeks). This type of policy is very flexible, with varying levels of cover available to suit different budgets.

There are a few different options for cover including:

  • Short term income protection insurance which pays out for 12 months or 24 months at most until you can return to work or your claim period runs out
  • Long term income protection insurance which pays out for a far longer amount of time, and can pay out for the entire policy term (up until retirement age)
  • Personal accident insurance can be a lower cost form of protection but will only pay out for accidental injuries
  • Guaranteed sick pay doesn’t ask for medical information and can be a more cost effective form of cover which pays out for 12 months at most


Is income protection available for people with Crohn’s disease?

Crohn’s disease affects people’s lives significantly and it is understandable to worry that a medical condition could cause insurers to be wary about offering you cover.

For someone with Crohn’s disease, generally, you can get income protection or accident and sickness cover.

There’s a vast range of different types of income protection and accident & sickness policies to suit all budgets and needs. Obtaining the right cover for you should be possible regardless of whether you have Crohn’s.

How much is income protection with Crohn’s disease?

People who suffer from Crohn’s disease and have mild symptoms or have not suffered an attack for a substantial period may be able to obtain an income protection policy on standard terms

Premiums can vary dramatically between insurers and depending on your symptoms. It’s important to seek valid advice to make sure that you get the correct cover and don’t pay more than necessary.

If your symptoms are more severe, then you might consider looking at an accident & sickness policy. This can work out very cost-effective and give you the cover you need.

Why do I need Crohn’s disease income protection?

An income protection policy can provide a strong sense of security for people with Crohn’s disease should they become unable to work.

An income protection policy is designed to help policyholders deal with the loss of income due to severe illness and claims can be made as needed during your policy term.

If you are self-employed or have concerns about loss of income, an Income Protection policy can help to provide peace of mind. You know then that you will be covered financially if you needed time off work due to injury or illness.


How much income protection cover do I need?

When deciding how much Crohn’s disease income protection you will require, you should closely consider:

  • Monthly income (after tax)
  • Mortgage/rent payments
  • Debts (other)
  • Cost of living

In some cases, you may have to pay slightly more if your symptoms are severe making you more likely to need time off work. Some insurers may even place an exclusion on Crohn’s disease meaning you cannot claim for sick leave due to Crohn’s but can claim for a variety of other conditions and injuries.

Other insurance policies

People with pre-existing medical conditions like Crohn’s disease can also choose from a variety of other insurance policies to protect their home and family. This includes policies such as:


Useful resources

NHS – Crohn’s Disease

Crohn’s & Colitis UK – Crohn’s Disease

GUTS Charity UK – Crohn’s Disease

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