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Blood disorders life insurance

Having a blood disorder shouldn’t prevent you getting the cover you need to protect your home and family. The key thing is to make sure you are applying to the right companies so you don’t pay more than you should.

A life insurance specialist can make sure you don’t waste any time and will only submit your application to the insurers most likely to approve cover. With the help of an expert, life insurance can be very cost effective and easier to get than you may think.

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A blood disorder is a medical condition that affects any of the main components of your blood. The main components of blood are:

  • Red blood cells
  • White blood cells
  • Blood platelets
  • Blood plasma

If there are issues with any of these, this can cause significant health problems. Some blood disorders are commonly diagnosed in the UK (e.g. anaemia) and others are rarer and often more severe (e.g. malaria).

Types of blood disorder

Blood disorders can be categorised by the part of the blood they affect. Blood disorders can have varying symptoms and can affect each person differently.

How does blood disorders life insurance work?

Blood disorders life insurance works similarly to standard life insurance. The main difference is that you will likely be asked questions related to your medical condition.

You may be asked questions such as:

  • What type of blood disorder do you have?
  • When were you diagnosed?
  • Have you been prescribed medications or treatment?
  • Have you got any related medical conditions/other medical conditions?

It is possible you will also be asked for further medical evidence such as a GP report. This is standard with this type of application and not anything to be worried about. The insurance underwriters will then assess your application and come back to you with a decision.

Can I get life insurance with a blood disorder?

YES – Having a blood disorder won’t prevent you from getting life insurance in most cases. Some conditions will however be easier than others to find cover for. Most insurance companies will usually be able to offer cover and it is good to shop around for the best price.

Some insurers specialise in medical conditions life insurance and so can be a better option for someone with a blood disorder. Applying to standard insurers may lead to you paying far more than you need to.

Are blood disorders covered by life insurance?

YES – If you were to die due to a blood disorder or something related, your policy should cover you in this event.

Life insurance is designed to pay out a lump sum to your family in the event of your death. This money can provide much needed financial support at a hard time. Your loved ones can use these funds to:

  • Clear mortgage balance
  • Repay any debts
  • Cover funeral expenses
  • Pay rent and other bills
  • Pay school fees

Do I need to disclose my blood disorder when applying for life insurance?

YES – If you have a chronic (ongoing) medical condition, this will need to be disclosed when applying for life insurance.

This helps insurers to give you accurate quotes for your cover. Failing to disclose relevant medical information can also lead to your policy being invalid or not providing enough cover for what you need.

Will I need a medical for blood disorders life insurance?

It is common to need to provide further medical information when applying for life insurance with a blood disorder. This isn’t something to worry about and simply gives the insurer a better picture of your overall health.

There are 3 options your insurer might ask you for:

  • A GP report including your medical records (insurer will get this on your behalf)
  • Telephone medical where a medical underwriter or nurse will ask additional medical questions over the phone
  • Nurse screening where a qualified nurse completes medical checks at your home or workplace

The insurer will cover the cost of these medical checks, so you don’t need to worry about this. Although this may feel inconvenient, it means there can be no questions about your policy and cover is guaranteed.

There are some policies where no medical questions are needed, known as guaranteed life insurance. This can be helpful for people with severe medical problems who would struggle to get traditional cover.

Find out more – Can you get life insurance without a medical check?

Will critical illness cover pay out for blood disorders?

Certain blood disorders may qualify for a pay out from a critical illness insurance policy. Every policy is different though so you should check the terms and conditions of your policy carefully.

Every insurer will cover a varying amount of medical conditions, so you could qualify for a pay out with one insurer where you wouldn’t with another.

More about CRITICAL ILLNESS COVER

Blood disorders list UK A-Z

Here are some of the main blood disorders and blood diseases that are diagnosed in the UK. Details for how life insurance and critical illness cover for each condition works can be found on each page.

A

Acute Lymphoblastic Leukaemia (ALL)

Acute Myeloid Leukaemia (AML)

Anaemia (all types)

Antiphospholipid Syndrome

Antithrombin Deficiency

Aplastic Anaemia

Autoimmune Haemolytic Anaemia

Autoimmune disorders (linked)

B

Blood clots

C

Chronic Lymphocytic Leukaemia (CLL)

Chronic Myeloid Leukaemia (CML)

Cold Hemagglutinin Disease

D

Deep Vein Thrombosis (DVT)

Diamond-Blackfan Anaemia

Disseminated Intravascular Coagulation (DIC)

E

Erythrocytosis

F

Fanconi Anaemia

Fibrinogen Deficiency Conditions

Folate Deficiency Anaemia

Franklin’s Disease

H

Haemochromatosis

Haemophilia (all types)

Haemophilia A

Haemophilia B (Previously known as Christmas Disease)

Haemolytic Anaemia

Haematuria

Hereditary Spherocytosis

Hereditary Elliptocytosis

Hexokinase Deficiency

HIV (impairs blood clotting)

Hodgkin Lymphoma

HTLV-1 Infection (leukaemia)

Hypercoagulable Disorder

I

Immune Thrombocytopenia (ITP)

Immune Thrombocytopenic Purpura

Iron Deficiency Anaemia

L

Leucocytosis

Leucopenia

Leukaemia (all types)

M

Macrocytic Anaemia

Megaloblastic Anaemia

Microcytic Anaemia

Multiple Myeloma

Myelodysplastic Syndrome (MDS)

Myeloma

Myeloproliferative Neoplasms (MPN)

N

Non-Hodgkin Lymphoma

Normocytic Anaemia

P

Paroxysmal Nocturnal Haemoglobinuria

Pernicious Anaemia

POEMS Syndrome

Polycythaemia Vera

Porphyria

Prothrombin Gene Mutation

Protein C Deficiency

Protein S Deficiency

Pulmonary Embolism

R

Rosenthal Syndrome (Haemophilia C)

S

Scurvy

Sickle Cell Anaemia

Sideroblastic Anaemia

Stem Cell/Bone Marrow Transplants

T

Thalassaemia

Thrombophilia

Thrombotic Thrombocytopenic Purpura (TTP)

Transcobalamin II Deficiency (TCII)

V

Vitamin B12 Deficiency Anaemia

Von Willebrand Disease (also known as Von Willebrand Disorder)

W

Waldenström’s Macroglobulinemia

Common questions about blood disorders

What are some serious blood disorders?Examples of serious blood disorders include lymphoma, leukaemia and haemophilia.
What is the most common type of blood disorder?The most common non-cancerous blood disorder that is diagnosed is anaemia.   There are several types of anaemia that can be diagnosed including:  
Aplastic Anaemia
Iron Deficiency Anaemia
Sickle Cell Anaemia
Thalassaemia
Vitamin B12 Anaemia
What are the signs of a blood disorder?The signs and symptoms of blood disorders can vary depending on the part of the blood that is affected.  

Common symptoms of red blood cell disorders include:  
Shortness of breath
Severe tiredness (fatigue)
Rapid heartbeat
Muscle weakness  

Common symptoms of white blood cell disorders include:  
Unintentional (unexplained) weight loss
Frequent/recurring infections
Severe tiredness (fatigue)
Generally feeling unwell  

Common symptoms of blood platelet disorders include:  
Issues with blood clotting (blood won’t clot after injury)
Bleeding gums
Nosebleeds
Easily bruised skin
Cuts or sores that heal slowly or don’t heal  

Useful resources

WebMD – Types of blood disorders

Centers for Disease Control (CDC) – Learn more about blood disorders

The Haemophilia Society – Bleeding disorders

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