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IBS life insurance (irritable bowel syndrome)

Life insurance is the most common type of financial protection for families and businesses. There are all sorts of options for people with medical conditions like irritable bowel syndrome (IBS) who want to protect their loved ones.

Getting the best life cover at the right price is important and we aim to make the whole process as easy as possible.

It is estimated that between 10% and 15% of the UK population is thought to have irritable bowel syndrome (IBS). The most common age for onset of IBS is between the ages of 20 to 30 years of age.

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YES – in the very unlikely event that you die due to something related to IBS then your life insurance policy should payout.

The money from your claim would be paid to your dependents which could be your spouse, children, or your family. Whilst IBS is not considered to be serious or life-threatening, there are other health risks that are linked to this condition.

Some conditions linked to IBS:

  • Crohn’s disease
  • Ulcerative Colitis
  • Fibromyalgia

There are a number of different purposes for life insurance that can include things like:

  • Mortgages or rent
  • Debts
  • School fees
  • Tax liabilities

Will critical illness cover payout for IBS?

Irritable bowel syndrome is not considered to be a serious medical condition and therefore won’t usually be covered by this type of cover.

There are many serious medical conditions that are a concern for many and this is why this type of policy is important. There are many reasons why people are concerned about making sure that they’re properly protected, especially in these uncertain times.

Several of the main conditions covered include:

  • Cancer
  • Stroke
  • Diabetes (type 1)
  • Heart attack
  • Multiple sclerosis
  • Permanent disability

Does income protection payout for IBS?

YES – if you need to take some time off work (usually more than 4 weeks) because of your IBS then your income protection policy should kick in to replace lost earnings.

This type of insurance policy is specifically designed to protect your income during periods of absence from work (up to 12 or 24 months). If you are signed off by your doctor or unable to work due to an accident or injury, then you will be paid out.

There are a number of reasons why symptoms from IBS can cause time off work, especially for more severe problems.

You can take out income protection for conditions like IBS to replace your salary and other earnings for:

  • Mortgage payments
  • Rent payments
  • Bills / Utilities
  • School fees
  • Medical treatment

Once you’ve been signed off work by your doctor then you will usually be able to claim 4 weeks from that date. Most income protection policies will allow you to claim for up to 60% or 80% of your gross salary.

The other side to consider is what happens for people who have been diagnosed with IBS and can they still have life cover.

Can I still get life insurance with IBS?

YES – life insurance is usually readily available for people who have already been diagnosed with irritable bowel syndrome (IBS).

A common question we hear a lot is “does IBS affect life insurance?”

IBS is not usually considered to be life-threatening or severe which means that there should be very little impact on life cover. You should find that most insurers will offer cover with IBS so you’ll have plenty of options.

There are still insurers who are better than others for health conditions like IBS, so it’s still important to know which are best.

Cheapest life insurance with IBS

There are a couple of things that you can do to manage your life insurance premiums and ultimately pay less.

Some of the most common ways to save money on life insurance with IBS are:

  • Getting expert advice can help you to reduce your premiums because they will know which insurers are cheapest for people suffering from IBS
  • IBS insurers are companies that are specifically good for people with certain health conditions, such as irritable bowel syndrome
  • Quit smoking can also significantly reduce your life insurance premiums, usually 12 months after you stop
  • Weight loss is also something that can impact your premiums if you are in the process of a diet or exercise period

Can I get critical illness cover with IBS?

YES – most insurers will also offer critical illness cover to people who have been diagnosed with IBS.

In the majority of cases where we’ve helped people suffering from IBS to find cover, it has been a relatively simple process. You should have a choice of a number of insurers, especially if your symptoms are mild to moderate.

You will be asked certain medical questions relating to your medical history and health to gather information about your condition. It is also unlikely that you will need to provide medical evidence just because of IBS for critical illness cover.

Can I get income protection with IBS?

YES – you should have no problems getting income protection from most insurers if you’ve been diagnosed with IBS.

You will need to disclose information about your health and medical history in your life insurance application. This should also be accepted without the need for further medical evidence and you should have a number of options from a range of insurers.

It’s important to make sure that you have the right cover for your budget and to suit your needs if you need to make a claim.

There are a number of options available to people with irritable bowel syndrome so just make sure that you take the right policy. If you’re not sure about what is best for you then you should speak to an expert to get advice.

If your symptoms are more severe or if you have more frequent flare-ups then you might also find that you have slightly fewer options. There might also be a number of questions about how much time off work you have had in recent years.

Medical conditions linked to IBS

There are a number of medical conditions that are commonly connected to irritable bowel syndrome, such as:

Here are some of the most common questions that people ask about irritable bowel syndrome and how it can affect lifestyle.

What are the common warning signs of IBS?There are several common signals to look out for with IBS, including:

Abdominal pain or cramps
Change to bowel habits
Bloating or gas
Fatigue or insomnia
What are the 3 types of IBS?Most people are not aware that there are several different types of IBS, these include IBS-C, IBS-D, and IBS-M/IBS-A.

In some instances, IBS can also develop as a result of intestinal infection or diverticulitis.
Can IBS be cured?There is no known cure for IBS, but it can be managed well with changes to diet and lifestyle.

Symptoms of IBS can be excruciatingly painful and may make normal day-to-day living challenges.

Useful Resources

Here are some of the most useful links and resources that we could find for people with irritable bowel syndrome or those looking for more information.

NHS Choices – IBS

The IBS Network – Charity

Guts Charity – IBS

Love your Gut – Charity

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