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Ménière’s disease life insurance

If you are living with Ménière’s disease, you could be concerned that having a medical condition such as this will prevent you from getting life insurance.

Rest assured, with a low-risk medical condition it can be simple and easy to find excellent cover at a great price.

It is estimated around 1 in 1,000 people in the UK have Ménière’s disease, with those between the ages of 20-60 being most affected*. This medical condition is not life threatening, but can cause significant discomfort to anyone who has it and the symptoms can be unpredictable.

Our team have years of expertise in Ménière’s disease life insurance and know how to help you put the right policy in place and save while doing so.

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by Elizabeth Turner-Long - 9th August 2023

What is Ménière’s disease?

Ménière’s disease is a medical condition that can be caused by fluid in the inner ear. Usually there will only be one affected ear (unilateral) but it can begin to affect both over time (bilateral).

This condition doesn’t currently have a cure but there are treatments that can be used to manage the symptoms of Ménière’s disease (e.g. medication to control vertigo). There can also be support groups available to offer advice and allow you to talk to others with the same condition.

Common Ménière’s disease symptoms include:

  • Sudden hearing loss
  • Ringing or buzzing in the ears
  • Dizziness
  • Episodes of vertigo (spinning sensation)
  • Nausea and vomiting
  • Hearing loss and tinnitus
  • Balance problems

You may have frequent attacks of symptoms, or occurrence of symptoms that can be separated by months or even years. Although these symptoms can be unpleasant to experience, they shouldn’t cause any major issues when applying for life insurance.

Will life insurance cover Ménière’s disease?

YES – if you have life insurance you should still be covered if you are diagnosed with Ménière’s disease.

Getting a new policy should also still be straightforward, but you will have to disclose your medical condition when applying. It is important to disclose all relevant medical information when applying for life insurance.

If you are not completely honest with your insurance provider you risk invalidating your cover, meaning your loved ones may not receive the pay out they need and deserve.

More about LIFE INSURANCE.

Does life insurance pay out for Ménière’s disease?

YES – if you had Ménière’s disease when you took out life cover and you declared this, your loved ones should receive a pay out if you were to pass away.

The funds your loved ones receive can be used to pay for various things including but not limited to:

  • Mortgage or rent payments
  • Funeral expenses
  • Household bills
  • Paying off debts
  • School fees

Having this protection in place can be a great comfort, knowing your family will not struggle financially when you are no longer around to support them yourself.

How does life insurance work for Ménière’s disease?

If you have a medical condition and apply for life insurance, the insurance provider may ask additional questions related to your health and medical history. If you have Ménière’s disease, you may be asked questions such as:

  • When were you diagnosed?
  • Are you taking any medication? (e.g. prochlorperazine, betahistine or antihistamines)
  • Have you received any other treatment?
  • How often you experience symptoms and their severity
  • Is your Ménière’s disease related to or caused by another medical condition?

These will be alongside the general health and lifestyle questions asked in any life insurance application. Questions are no reason to be concerned as they are a standard part of any application and do not mean you are more likely to be declined cover.

Can I get Ménière’s disease life insurance?

YES – this is not considered a high-risk medical condition, so it should be straightforward and easy to get cover in most cases. Usually you should be able to find a great policy at standard rates.

If you have another pre-existing condition (whether linked to your Ménière’s disease or not), this can complicate the application. This doesn’t mean you won’t be able to get life cover, just that a more specialist insurer may be a more appropriate choice for you.

There are many excellent UK insurance providers and policies available to choose from. Our expert advisors can help you assess the terms and prices on offer, to make sure the policy you choose is the right one for your needs.

Can I get critical illness cover with Ménière’s disease?

YES – having Ménière’s disease should not prevent you from taking out critical illness cover, either alongside your life insurance or as a standalone policy.

Critical illness cover can be an extremely useful form of additional protection to have in place. This policy will pay out a cash lump sum if you are diagnosed with a serious illness during your policy term.

Not every illness and condition will be covered by every insurer, so it is important to check your policy documents carefully to know what you are covered for.

Some of the most common reasons for critical illness claims include:

More about CRITICAL ILLNESS COVER

How much is Ménière’s disease life insurance?

With the right advice you can save significantly on your Ménière’s disease life insurance policy. Factors such as your age, height, weight and smoker status can all affect your policy cost.

However even with pre-existing conditions, you should still be able to access a life insurance policy at a reasonable price.

Our team of skilled insurance experts have years of knowledge about Ménière’s disease and life insurance and know exactly where to look for the best policies at the lowest prices.

Cheaper Ménière’s disease life insurance

The best way to find the cover you need for less is to speak to a life insurance specialist. It can be very beneficial to consult an advisor with a solid understanding of your medical condition and the possible questions or issues this could cause with your application.

We have helped many people with Ménière’s disease find brilliant cover to protect their home and family. With access to a carefully chosen panel of both mainstream and specialist insurance providers, we can search deals across hundreds of available life insurance policies.

Our top-rated advisors can compare these policies and prices quickly and easily, ensuring you never pay more than you need to for your cover.

Best life insurance for Ménière’s disease

The key to finding the best Ménière’s disease life insurance will be to speak to an advisor familiar with how medical conditions can affect life insurance applications.

As the UK’s #1 experts in pre-existing medical conditions life insurance, we can help find you the best possible policy at the fairest price. We have helped many people with medical conditions find excellent policies with the level of cover they need.

When looking for the best life insurance cover, it is a good idea to consider:

Every insurance provider will offer slightly different policies and benefits, so comparing policies across providers can help you find the most suitable terms available.

Medical conditions linked to Ménière’s disease

There is no exact known cause of Ménière’s disease, but it has been linked to several conditions and possible risk factors. This condition will usually be diagnosed by an ear, nose and throat specialist.

Potential Ménière’s disease causes include:

Any of these factors could increase the chance of a diagnosis. You may also develop other conditions or complications such as:

  • Permanent hearing loss (can lead to use of hearing aids)
  • Ringing in the ear(s) (tinnitus)
  • Attacks of vertigo

Expert advice for Ménière’s disease life insurance

If you have Ménière’s disease and want to save on your life insurance cover, our helpful insurance specialists can offer FREE, EXPERT advice.

We are extremely proud to have helped thousands of people with pre-existing conditions find excellent life insurance cover, especially as they may struggle to get cover with other companies.

Our team of friendly experts have also been rated 5.0 out of 5.0 stars on Feefo for our brilliant customer service, with over 1000 reviews.

*according to NHS inform

Useful resources

Ménière’s – What is Ménière’s disease/syndrome?

NHS – Ménière’s Disease

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