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CHRONIC FATIGUE SYNDROME
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Chronic fatigue syndrome life insurance

Chronic fatigue life insurance can provide you with peace of mind that your family is financially protected should anything happen to you.

If you’ve been diagnosed with chronic fatigue syndrome in the past or you might be concerned about the risks, then here’s some information to help. Our guides are designed to answer some of the main questions that you might have about certain health conditions and life cover.

According to research, it is estimated that 250,000 people in the UK are affected by chronic fatigue syndrome and approximately 17 million globally. The condition is more prevalent in women than in men, and it can occur in children as well as adults and from all ethnic backgrounds.

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Below we will answer some of the main questions that our customers have around life insurance for chronic fatigue syndrome.

Will life insurance payout for chronic fatigue syndrome?

Yes – if you die from anything related to chronic fatigue syndrome or if you have been diagnosed with this condition then your claim will be paid.

chronic fatigue syndrome is not considered to be life-threatening so most people won’t generally link this to life insurance. There are some potential areas where you might be at risk, 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)

Anyone who already has a life insurance policy in place will be able to claim for future problems linked to chronic fatigue syndrome.

Does critical illness cover payout for chronic fatigue syndrome?

Generally, this sort of condition won’t be covered under a critical illness policy as it is not classed as a severe (critical) medical problem.

A critical illness policy is designed to pay out for serious medical conditions such as:

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

Read more about Critical Illness Cover

Will my income protection policy payout for chronic fatigue syndrome?

Yes – if you’re signed off work by your GP for 4 weeks or more usually then your income protection policy should payout.

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 chronic fatigue syndrome you will receive a benefit every month until you are fit to return to work.

There are a number of 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 about Income Protection

About chronic fatigue syndrome life insurance

Often we help people to protect their families who have already been diagnosed with a medical condition, like chronic fatigue syndrome.

It’s important to make sure that you get the best advice when you’re looking for cover to help you to properly protect your family and save money.

Can I get life insurance with chronic fatigue syndrome?

Yes – in most cases it should be fairly straightforward to get life insurance with chronic fatigue syndrome, especially if your symptoms are mild.

The most important bit is to make sure that you get the best cover to protect your family and you don’t pay more than you need to. There are a number of insurance providers who offer cover for chronic fatigue syndrome so you should be able to get a competitive price.

Chronic fatigue syndrome is not a life-threatening medical condition so as long as symptoms are mild to moderate, then life cover should be affordable and simple.

How much is life insurance with chronic fatigue syndrome?

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

  • Your age
  • Amount of cover (sum assured)
  • Term of your cover (years)
  • 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 life insurance premiums with chronic fatigue syndrome might also vary depending on some of the following:

  • Date diagnosed
  • What are your treatment and medication
  • How frequent are your symptoms/attacks
  • Any other health or medical conditions

Can I get critical illness cover with chronic fatigue syndrome?

Yes – you should have no problems getting critical illness cover with chronic fatigue syndrome and premiums should be reasonable.

Often most insurers will offer cover for people with this condition and there are usually options available. If your symptoms are slightly more severe or if there are other complications then it might be slightly more limited.

There may also be some exclusions applied to your critical illness cover policy when chronic fatigue syndrome is disclosed. This depends on the severity of your symptoms and it can vary from one insurer to another.

Can I get income protection with chronic fatigue syndrome?

Yes – you should also be able to get an income protection policy if you’ve previously been diagnosed with chronic fatigue syndrome.

Your application will ask for information about your condition and whether you’ve had any time off because of your medical history. If you are suffering from severe and frequent symptoms then you could have fewer options than milder symptoms.

It’s important to get multiple quotes to make sure that you’re getting the best offer and the fairest prices.

Medical conditions linked to chronic fatigue syndrome

There are some medical conditions that are commonly linked to chronic fatigue syndrome, such as:

  • Hormonal imbalance
  • Viral infections
  • Insomnia
  • Depression
  • Panic attacks
  • Immune system imbalance

Common questions about chronic fatigue syndrome

Here are just a few of the most common questions that people ask about chronic fatigue syndrome.

What does chronic fatigue syndrome feel like?

Most people who suffer from ME/CFS would commonly describe symptoms as a ‘crash’, ‘relapse’, or an ‘attack’. Symptoms can be flu-like, such as sore throat, headaches, dizziness, and severe fatigue.

Is chronic fatigue syndrome a mental health condition?

There are some views that identify chronic fatigue syndrome as a psychosomatic condition that can be treated with psychological therapy. There is however no real evidence that shows ME/CFS is a mental health condition, and there is growing evidence showing this as a biological condition.

Is chronic fatigue syndrome life-threatening?

CFS/ME is a chronic (long-term) medical condition that can have a serious impact on your lifestyle. This does not necessarily mean that this can impact life expectancy but it can affect the quality of life.

Useful resources for chronic fatigue syndrome

We have found a few links and resources online that might help to explain a bit more about chronic fatigue syndrome.

NHS Choices – chronic fatigue syndrome and Myalgic Encephalomyelitis

The ME Association – charity

The Brain Charity – chronic fatigue syndrome

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