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Haemophilia life insurance

If you’re looking for useful information about how to get cheaper life insurance with haemophilia, then you’ve come to the right place. There’s nothing more important than protecting your loved ones and especially for those who have been diagnosed with a pre-existing medical condition such as haemophilia.

Having haemophilia shouldn’t mean that life insurance is unaffordable or extremely difficult, and that’s where we can help. Most of the time getting the cover that you need to look after your family and home is cheaper and easier than you’d imagine when you speak to an expert.

Naturally, you want to make sure your loved ones are looked after when you’re no longer here – and this is where life insurance comes in. We know not everyone is an expert, so we’re here to answer all the main questions you might have.

Why are we haemophilia life insurance experts?

We’ve had the chance to speak to loads of people with haemophilia, so know exactly which questions people tend to ask.

This is why we’ve put this handy guide together to explain a bit more about how haemophilia life insurance works and why it can be useful. We work hard to answer all the important questions like:

  • How does life insurance work for someone with haemophilia?
  • Does the type of haemophilia I have affect life insurance?
  • Is critical illness cover an option for someone with haemophilia?

Life insurance is becoming easier and easier to get for people who have medical conditions. Life insurance with haemophilia has never been more accessible and we couldn’t be happier!

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YES – and it’s probably easier than you would think! People with haemophilia are often able to get life insurance, especially when their condition is well managed.

There is a high chance you could even get cover from a standard insurer, rather than relying on going to a specialist. This will all depend on your own symptoms and it’s a good idea to look at all your options before making any decisions.

What is the best life insurance with haemophilia?

Something that we think is great about life insurance is that there are a lot of different policy types to choose from. This means you can choose the policy that works best for you and your family.

Some of the main options are:

How does haemophilia life insurance work?

Haemophilia is a serious medical condition, so insurers will want some extra information about it. This helps them to assess how much of an impact having haemophilia has on your life and overall health. You might be asked questions like:

  • When were you diagnosed with haemophilia?
  • What type of haemophilia do you have?
  • What medication/treatments have you been prescribed?
  • Have you ever been hospitalised because of haemophilia?
  • Have you needed any time off work due to haemophilia?

Does life insurance pay out for haemophilia?

YES – if you died because of haemophilia or any complications, your policy would pay out to your loved ones. This cash lump sum will help support your family during a life changing and difficult time.

The money paid out can be used to cover important costs such as:

  • Mortgage or rent payments
  • Funeral costs
  • Repayment of debts
  • School fees
  • General cost of living
  • And more…

Although haemophilia is a serious condition, it’s not usually classed as a critical illness by insurers. However, there are lots of related conditions and other medical conditions that critical illness cover would pay out for.

Common conditions covered by most critical illness policies include:

YES – if you can’t work for 4 or more weeks (signed off by a doctor), income protection insurance will pay out to support you.

One of the best things about income protection is that it should pay out for almost any accident or illness that stops you working. This can be a life saver for anyone who will seriously struggle financially if they need time off to recover e.g. self employed workers.

Will I need a medical for haemophilia life insurance?

YES – it’s quite possible that you will be asked for a medical report if you have haemophilia. This might seem a bit intimidating but luckily, it’s a simple and easy process.

You just agree that the insurer can contact your doctor on your behalf, and they will take care of the rest.

How much does haemophilia life insurance cost?

The cost of life insurance is based on each person that applies, so there’s not one set price.

The good news is that there are a few key factors that will be looked at for any life insurance application. Thinking about these things may help you get a rough idea of how much you’re looking at paying.

  • Your age
  • Your height and weight
  • Do you smoke?
  • Occupation
  • Lifestyle factors e.g. high risk hobbies

Someone with haemophilia may also have their price affected by:

  • The type of haemophilia they have and severity
  • If you have other medical conditions

Here are our top tips for saving money on life insurance when you have haemophilia:

  1. Shop around: We’d always suggest checking prices across a few providers, as one or two might be able to offer much lower pricing.
  2. Apply at the right time: Applying when your health is good or when you are younger will normally mean paying less.
  3. Make some lifestyle changes: Losing weight, quitting smoking or doing more exercise can all improve your health and equal lower prices.
  4. Speak to a life insurance specialist: If in doubt, a life insurance expert will be able to tell you which policies and providers would work well for your budget.
Can I get life insurance if I have a bleeding disorder?YES – having a bleeding disorder like haemophilia shouldn’t stop you from getting life insurance.  

There are a few types available, so have a think about how much cover you need and what might work best for you.
Will life insurance cost more because I have haemophilia?This will depend on how severe your symptoms are e.g. if you’ve had internal bleeding or joint damage.  
The main way to find life insurance at a fair price is to do some research and speak to an expert.
Which insurers will cover haemophilia?There are a range of great options for people with haemophilia.  

Some insurers (e.g. The Exeter) are known for offering good prices to people who have medical conditions.  

This doesn’t mean mainstream companies won’t cover you, but it’s best to check prices across a few providers. This helps you make sure you don’t get charged more than you should for the cover you need.
Can I get income protection or critical illness cover with haemophilia?YES – it can be possible to get income protection or critical illness cover with haemophilia. The key is to make sure you are speaking to the right insurers.  

Some will be more willing to offer cover, and some will offer better pricing.
We’d suggest speaking to an insurance expert for more information, if you aren’t sure of your best options.

Here, we have some interesting facts about haemophilia and links to resources that may be helpful.

Types of haemophilia

There are a few different types of haemophilia that you can be diagnosed with including:

  • Haemophilia A
  • Haemophilia B
  • Acquired haemophilia
  • Mild haemophilia
  • Moderate haemophilia
  • Severe haemophilia

Medical conditions linked to haemophilia

Here are some common medical conditions that can be caused by haemophilia or are known to be linked to it.

Celebrities with haemophilia

Though haemophilia is a rarer condition, several famous faces and historical figures are known to have lived with haemophilia including.

Haemophilia charities and support UK

Haemophilia facts and statistics UK

According to the University College London (UCL):

  • Around 6,000 people in the UK are living with haemophilia
  • Men are more likely than women to inherit the genes that cause haemophilia
  • Clotting factor replacement therapy can be used to treat haemophilia
  • People with haemophilia can end up with complications such as muscle, joint or organ damage due to excessive bleeding

Common questions about haemophilia

What are the 5 most common symptoms of haemophilia?There are some usual symptoms that people will experience if they are suffering from haemophilia.

Excessive bleeding (cuts, injuries, surgeries etc.)
Joint pain
Blood in urine or stool
Unexplained nosebleeds
Irritability (in infants)
Why is haemophilia rare in females?This is a rare blood disorder that is often inherited genetically from parents. The pattern in which this condition is inherited in an ‘X-linked recessive trait’ which in females is far less common.

When a female has haemophilia, it is where both X chromosomes are affected or one does not function or is absent and the other is affected.
Is haemophilia life threatening?YES – Unfortunately, haemophilia is a life-threatening medical condition that causes an average reduction of 6 years in life expectancy (average 77 years).

This is a chronic medical condition with no known cure.  
More information – Average life expectancy UK

Other types of insurance for people with haemophilia

Useful resources

NHS – Haemophilia

CDC – What is haemophilia?

The Haemophilia Society – Haemophilia

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