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Coeliac Disease life insurance

Coeliac Disease life insurance can provide you with peace of mind by ensuring that your family is financially protected should anything happen to you.

Coeliac Disease is a condition that causes your immune system to attack your body’s tissues when you eat gluten. This in turn damages the internal lining of your digestive tract, causing nutrient malabsorption and other unpleasant symptoms.

Like some other autoimmune diseases, if left unchecked it can cause serious damage to the bowel. This may cause some people to think that life insurance isn’t available for coeliac disease – or that it is too expensive or won’t payout.

Our team of experts has decades’ worth of experience and so they know that this is not the case and cover is available with the right insurers.

According to statistics, around 1 in 100 people in the UK have coeliac disease (1%). However, of the hundreds of thousands of cases, only about 24% have been diagnosed, leaving approximately 500,000 undiagnosed cases of coeliac disease currently.

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Does life insurance payout for Coeliac Disease?

Yes – whilst it is rare for people to pass away from coeliac disease these days, a life insurance policy would payout for this, or if you die from a condition linked to it.

Life cover policies are based on your personal health at the time you apply for life insurance. It will therefore include any pre-existing health issues such as coeliac disease.

This also means that life cover is cheaper the earlier you take it out, as you’ll be younger and potentially in better health than later in life.

More information about Life Insurance

Does critical illness cover payout for Coeliac Disease?

Each insurance provider will have a list of conditions that they consider to be serious enough to warrant a payout on critical illness cover. Generally, coeliac disease is not on these lists and so does not tend to trigger payouts on this type of cover.

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 – so even if you already have coeliac disease, this type of policy can be highly beneficial, especially if you have a family and are concerned about how you would manage financially if you got diagnosed with something severe.

Some of the main reasons people take out critical illness cover are to pay for things such as:

  • Loss of income
  • Treatment and medications
  • Pay bills and outgoings

More information about Critical Illness Cover

Will income protection payout for Coeliac Disease?

Yes – income protection policies usually payout if your GP signs you off work for a period of 4 weeks or more.

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 coeliac disease you will receive a benefit every month until you are fit to return to work.

Much like other types of cover, income protection is based on your overall health at the time you take out the cover, so if you’ve already got coeliac disease then it’s possible for the policy to have exclusions depending on the severity of your condition. It’s best to speak to a specialist as they will be able to get the best cover for you.

Income protection can be used to pay for:

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

More information about Income Protection

Can I get life insurance with Coeliac Disease?

Yes – getting life insurance, even if you’ve already been diagnosed with coeliac disease, is definitely possible. The key is to get the best cover at the fairest price, so knowing who to speak to is essential.

Coeliac disease is not life-threatening on its own especially if your symptoms are mild to moderate, so our advisers should be able to get competitive protection to make sure your family is looked after.

Will I need a medical to get Coeliac Disease life insurance?

You won’t necessarily need to get a medical in order to secure coeliac disease life insurance. Each insurance company differs slightly, and they will likely ask you a few key questions so that they fully understand the severity of your condition.

Some of these questions include:

  • When were you diagnosed with coeliac disease?
  • How often after your flare-ups?
  • Do you follow a strictly gluten-free diet?
  • Which medications do you take (if any)?
  • Does it ever prevent you from working?
  • Do you have any other complications?

Depending on your answers to the insurer’s questions, many companies should be able to provide cover quickly and easily without requesting a medical report from your GP.

Medical conditions linked to Coeliac Disease

There are numerous conditions that can be linked to Coeliac Disease as well as several conditions that it can lead to.

Common questions about Coeliac Disease

Here are a few of the most common questions about Coeliac Disease and living with the condition.

What are the early warning signs of celiac disease?

Some of the symptoms of celiac disease include:

  • Bloating
  • Gas
  • Diarrhoea and/or Constipation
  • Weight Loss
  • Fatigue
  • Anaemia
  • Rashes

Can you suddenly develop coeliac disease?

Yes – it is possible for celiac disease to develop at any age, and it can be triggered by certain foods or medications. People who get diagnosed with celiac disease later are more likely to develop another autoimmune disorder as well. Always speak to your GP if you think you might have celiac disease.

How serious is coeliac disease?

Due to your immune system causing damage to your digestive system, more severe cases of coeliac disease can lead to malnutrition because your body isn’t able to absorb nutrients as easily. In turn, malnutrition can impair your bodily function and even affect your ability to recover from wounds or infections.

Useful resources

Here are a few useful links for people living with Coeliac Disease or looking for more information about it:

NHS Choices – Coeliac Disease

Coeliac UK – Charity

Guts UK – Charity

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