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Anaemia life insurance

There are many different types and forms of anaemia that have different levels of impact on your body. Even though anaemia isn’t life-threatening, it’s still worth considering how it can affect your life insurance and how life cover can help.

Types of anaemia (anemia)

  • Aplastic anaemia
  • Iron deficiency anaemia
  • Sickle cell anaemia
  • Thalassemia
  • Vitamin deficiency anaemia

Life insurance, critical illness cover, and income protection can all help to protect you and your family due to sickness from anaemia.

According to World Health Organisation (WHO), anaemia affects 1 in 4 people (25%) around the world. Iron deficiency anaemia is regarded to be the biggest cause, and that is thought to affect around 2 billion people.

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Anaemia and life insurance

How can life insurance work for you and your family if you get diagnosed with anaemia or if you’ve got anaemia?

Will life insurance payout for anaemia

YES – it is unlikely that anaemia will be fatal but in some situations, it can cause complications that can be life-threatening.

If you die because of something related to anaemia then your family will be protected financially with life cover. Life insurance will pay out a cash lump sum on death to your loved ones.

You can use life insurance for:

  • Mortgage
  • Rent
  • School fees
  • Cost of living

Life insurance will provide you and your family with financial security if you pass away.

More about LIFE INSURANCE

Does critical illness insurance cover anaemia?

YES – some critical illness cover will pay out a cash lump sum if you are diagnosed with certain types of anaemia.

What’s covered on critical illness?

Aplastic anaemia: with bone marrow failure

Most insurers will payout for this type of anaemia and you’ll also usually receive 100% benefit payment (so all of your cover). Some insurers will also payout for less severe aplastic anaemia depending on your symptoms.

More about CRITICAL ILLNESS COVER

Will income protection cover anaemia?

YES – if you’re diagnosed with anaemia which then results in you having to take time off work then you should be covered. As long as your anaemia is not pre-existing and excluded from your cover then you’ll be able to claim for this.

Most income protection policies will pay you a monthly amount for up to 12 or 24 months to replace loss of earnings.

If you’re not able to work due to the effects of anaemia then you’ll be able to claim for that period, based on your cover. Income protection is designed to provide you with peace of mind that you’ll be able to continue to pay your bills while you’re unable to work.

More about INCOME PROTECTION

Life insurance with anaemia

Here’s what happens if you’ve already been diagnosed with anaemia and you need to get a new policy to protect you and your family.

Can I get life insurance with anaemia?

YES – it is highly likely that you’ll be able to get a new life insurance policy if you’ve been diagnosed with anaemia. Most insurers will also offer instant cover without the need for further medical underwriting.

Most life insurance providers don’t consider anaemia to be serious unless you have other health or medical problems.

Your premiums will differ depending on which type of anaemia you have and which symptoms you have. It is important to make sure that you pay a fair price for life cover with anaemia which you can control by applying to the best insurer.

Is anaemia a pre-existing medical condition for life insurance?

Insurers all have very similar questions when asking about your health and medical history. Almost all will ask about anaemia in the last 5 years to find out whether you have had symptoms or treatment.

If you’ve not had any symptoms or treatment for anaemia for over 5 years then you’ll usually not need to disclose this.

Most insurance companies are only interested in what has happened within the past 5 years for this condition.

Medical questions for life insurance for anaemia

Some of the most common questions that you’re going to be asked if you disclose anaemia on your life insurance application.

  • What type of anaemia do you have, or have you had (e.g. iron deficiency anaemia, Vitamin B12 anaemia, aplastic anaemia, sickle cell anaemia, or other)?
  • Have you had any medical treatment or specialist referral for your anaemia?
  • When were you first diagnosed with anaemia?

You’ll need to answer these questions as openly and honestly as you can but don’t worry if you don’t know. Information about any pre-existing medical condition can be obtained from your GP.

Will I need a medical for anaemia life insurance?

It is possible for life insurance companies to request to view your medical records or ask for a nurse screening. This is absolutely normal and it can be for several reasons so might not be due to your medical history.

Types of medical requests for anaemia life insurance:

  • Nurse screen: this is a technical term for a nurse visit or check-up, and this usually involves a blood test, height and weight check, and cotinine test (smokers)
  • Medical report: insurers can ask for your permission to review your medical records from your GP or doctor. Again this is normal and often all these needs from you is verbal approval or acceptance

Best life insurance for anaemia

There are a few different types of life insurance policies that you can choose from. All you need to do is to think about what’s most important for you to protect, and what you can afford.

Term life insurance for anaemia (family protection) is the most common type of life cover. This is simply because it is designed to protect your family financially if you die, and it pays out a cash lump sum. You should be able to get this type of cover with most types of anaemia, and you should have a number of options

Mortgage life insurance for anaemia (decreasing protection) is designed specifically to protect a repayment mortgage. The amount of cover reduces at a similar rate to your mortgage balance to make sure that your mortgage is repaid if you die. This is the same type of life cover as family protection apart from the cover amount decreases.

Critical illness cover for anaemia is usually available through most of the top UK insurers and can be affordable. This is the best option for anyone looking to protect themselves and their families in the event of diagnosis of a serious illness, such as cancer, heart attack, stroke, and many more.

Income protection for anaemia is also available through most of the big insurers and can often be a great option for anyone concerned about the loss of earnings. You’ll be protected against sickness, accident, and injury for 12 or 24 months generally.

Family income benefit for anaemia is a less common type of life cover but can be a cheaper way to make sure that your family are protected. You can provide your family with an income if you die.

Whole of life insurance for anaemia is also another type of life cover that provides your family with a guaranteed payout on death. This is the only type of life insurance that is guaranteed and often used for legacy or inheritance tax planning.

Medical conditions linked to anaemia

There are several medical conditions that are commonly linked with anaemia, such as:

Common questions about anaemia

Here are some of the most common questions that people ask about anaemia or what to do about anaemia.

What are the symptoms of being anaemic?
There are several key symptoms of anaemia that can include:

  • Tiredness
  • Lack of strength
  • Pale or yellow skin
  • Difficulty breathing
  • Dizziness
  • Chest pain
  • Heartbeat irregularity

What causes a person to become anaemic?
The other name for anaemia is ‘iron-poor blood’, a condition that is caused by red blood cells having a deficiency, that impedes oxygen delivery throughout the body. The most common cause is reduced iron levels in your blood (iron-deficiency anaemia).

Can you die from anaemia?
There are several reasons why anaemia may be fatal in more severe cases. Complications can include enlarged heart or heart failure, sickle cell anaemia can also reduce life expectancy. The average life span is increasing due to modern medicine and better treatment.

Useful resources for anaemia

Here are a few links that we have found that might be useful if you have anaemia or if you’re concerned about this condition.

NHS Choices – Iron deficiency anaemia
Link: https://www.nhs.uk/conditions/iron-deficiency-anaemia/

The Aplastic Anaemia Trust – charity
Link: https://www.theaat.org.uk/

Anaemia community – charity
Link:https://anaemia.org.uk/

Guts UK – Iron deficiency day
Link:https://gutscharity.org.uk/2019/11/iron-deficiency-day-2019/