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Barrett’s Oesophagus life insurance

If you’ve been diagnosed with Barrett’s Oesophagus or are worried about the risks, we have plenty of information to help. Our guides are designed to answer some of the main questions that you might have about medical conditions such as Barrett’s Oesophagus and life insurance.

Life cover can provide you with peace of mind by ensuring that your family is financially protected should anything happen to you.

According to statistics from Macmillan, less than 1% of people in the UK have Barrett’s Oesophagus. Whilst people with the condition are at a slightly higher risk of developing oesophageal cancer, only about 3% of people with Barrett’s Oesophagus develop oesophageal cancer.

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YES – if you happen to pass away from anything related to Barrett’s Oesophagus or if you’ve been diagnosed with this condition then your life insurance policy will pay out.

Barrett’s Oesophagus in itself is not fatal and so many people may not take it into account when considering life insurance. There are some potential (albeit rare) risks, but it’s always wise to consider life cover if you’ve got children or a mortgage.

Life insurance is generally used for the following reasons:

  • Clear your mortgage
  • Pay off debts or loans
  • School fees
  • Costs of living (e.g., bills and utilities)

Does critical illness cover pay out for Barrett’s Oesophagus?

As briefly mentioned above, Barrett’s Oesophagus by itself is not considered to be a critical illness and so it generally isn’t covered under a critical illness policy. However, in rare cases, Barrett’s Oesophagus can lead to more serious conditions like oesophageal cancer, which would trigger a payout on a critical illness policy.

Critical illness cover is designed to pay out for serious medical conditions such as:

Some policies cover up to 150 different illnesses and offer extremely comprehensive protection. It’s worth considering critical illness cover if you’re concerned about how you would manage financially.

Will income protection pay out for Barrett’s Oesophagus?

YES – if your GP signs you off work, usually for 4 weeks or more, then your income protection policy should pay out.

Most of these types of policies will pay you for a period of 12 or 24 months depending on your cover. While you are unable to work because of Barrett’s Oesophagus you will receive a benefit every month until you are fit to return to work.

There are several options you can consider that will provide you with the best policy to suit your needs and budget.

Income protection can be used to pay for:

  • Mortgage and rent payments
  • Bills and outgoings
  • School fees
  • Medical treatment

More information about INCOME PROTECTION

We often help people who have already been diagnosed with a medical condition, like Barrett’s Oesophagus, to protect their families.

Can I get life insurance with Barrett’s Oesophagus?

YES – it should be fairly straightforward to obtain life insurance if you have Barrett’s Oesophagus, especially if your symptoms are mild.

Most importantly, you need to make sure that you get the best cover to protect your family and don’t pay more than you need to. Numerous insurance companies can cover people with Barrett’s Oesophagus, so you should be able to get a competitive price.

How much is life insurance with Barrett’s Oesophagus?

The cost of life insurance will be based on several standard factors or elements, which include:

  • Your age
  • Amount of cover (a.k.a. sum assured)
  • Length of cover (a.k.a. policy term)
  • Smoker status
  • Type of cover

You can adapt your policy to suit your needs and your budget so that your family is properly protected. It’s important to make sure that your life insurance premiums are affordable now and in the future.

Your Barrett’s Oesophagus life insurance premiums might also vary depending on some of the following:

  • Diagnosis date
  • What medication/treatment you’ve had
  • How frequent and severe your symptoms are
  • Any other health or medical conditions

Numerous conditions can be linked to Barrett’s Oesophagus as well as several conditions that it can lead to, such as:

  • Oesophageal cancer
  • Strictures (narrowing of the oesophagus)
  • Gastro-oesophageal reflux disease (GORD)

Frequently asked questions about Barrett’s Oesophagus

What is Barrett’s Oesophagus?Barrett’s Oesophagus is a condition where cells in the lining of the food pipe have begun changing. In some cases, this can lead to developing oesophageal cancer.
What are the symptoms of Barrett’s Oesophagus?It is common to not experience any symptoms with Barrett’s Oesophagus – the condition is often found when testing for something else.

The most reported symptom tends to be long term indigestion and heartburn. Occasionally, you may also experience difficulty when swallowing food.
Can Barrett’s Oesophagus be cured?There is no cure for Barrett’s Oesophagus. There are however treatments to help monitor and control the condition. This includes:

Medicines to reduce stomach acid
Surgery to strengthen the food pipe valve
Removing the affected cells through surgery or other treatment
What is the life expectancy of someone with Barrett’s Oesophagus?Most people with Barrett’s Oesophagus will have a normal life expectancy. There is risk of developing cancer but this is rare and doesn’t happen in most cases.

More information – Average life expectancy UK

Useful resources

Here are a few useful links for people living with Barrett’s Oesophagus or looking for more information about it:

Bupa – Barrett’s Oesophagus

Guts UK – Charity

Macmillan – Barrett’s Oesophagus

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