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Osteoporosis life insurance

Many people may see getting osteoporosis life insurance as a daunting task, but it doesn’t need to be. Whilst it might seem overwhelming when it comes to choosing the right insurance company, dealing with medical evidence, and making sure the policy is valid, the process can be made much easier by using a specialist broker like iam|INSURED to protect your loved ones if the worst happens.

Osteoporosis is a condition that affects your bones by making them brittle and more susceptible to breaking. It can be caused by various factors including genetic diseases such as cystic fibrosis, digestive diseases which cause malabsorption issues, inflammatory conditions, even tumours.

According to statistics from NHS England, more than 3 million people in the UK are estimated to have osteoporosis. This causes approximately 500,000 fractures per year due to fragility. Osteoporosis is more common in women than men, and generally happens as you get older, but it can affect all genders and ages.

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Does life insurance payout for Osteoporosis?

Yes – a life insurance policy would pay a lump sum to your loved ones upon your death if you were to pass away from osteoporosis or another condition.

If you already have osteoporosis, it’s important to disclose this to the insurer when making an application for osteoporosis life insurance cover. Since each life insurance company treats medical conditions a little differently, it’s also very important to make sure you choose the one that can offer the best cover at the fairest price. A specialist broker like iam|INSURED can search the whole market and make the process very convenient.

More about life insurance

Does critical illness cover payout for Osteoporosis?

Critical illness cover works by paying out a lump sum if you get diagnosed with a serious medical condition like cancer, a heart attack, or stroke. The insurance companies that supply critical illness cover each have their own list of health conditions that are eligible for a payout.

Osteoporosis does not tend to be on these lists of health conditions with most insurers and in most cases would not trigger a payment, but there may be some companies who can consider a partial payout.

Critical illness cover is designed to pay out for serious medical diagnoses such as:

If you already have osteoporosis and wish to take out critical illness cover, your policy will likely require some additional underwriting and the insurers will often seek extra medical evidence from your GP. This doesn’t mean that you can’t get the cover, and in some cases, an exclusion may be applied to your policy.

More about Critical Illness Cover

Will income protection payout for Osteoporosis?

Yes – income protection is designed to pay out a monthly benefit to cover lost income if your doctor signs you off work for 4 weeks or more.

This means that if you take out an income protection policy and then get diagnosed with osteoporosis and need to take time off work due to a broken bone, for example, then your income protection insurance will provide a monthly income to help pay for things such as:

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

If you already have osteoporosis and would like to apply for income protection insurance, similarly to critical illness cover you may find that exclusions are applied in order to account for the additional risk of time off work. The sooner you apply for any type of insurance coverage, the better, as you will be younger and in better health than later in life.

More about Income Protection

Can I get life insurance with Osteoporosis?

Yes – osteoporosis life insurance and other types of insurance cover should be available depending on the severity of your osteoporosis symptoms. A specialist insurance broker will be able to help with determining the best company and policy to go with, ensuring your home and/or family are looked after.

Will I need a medical to get Osteoporosis life insurance?

This will depend on the extent of your osteoporosis symptoms, but it is more than likely that the insurance provider will reach out to your GP to get medical records as it will give them an overall picture of your health.

This also gives you the added benefit of knowing that your policy is 100% valid in the event of a claim, as the insurer will have everything they need to know about your health.

The main two types of medical evidence requests are:

  • Medical history (GP report)
  • Nurse screening

Don’t worry – you won’t have to pay for this evidence to be sent out and processed as the insurer will pay for this out of their own pocket.

Medical conditions linked to Osteoporosis

There are many conditions that are known to be potential osteoporosis causes. Some of these include:

Not all of these conditions will necessarily cause osteoporosis, but they have been known to put you at increased risk of developing it.

Common questions about Osteoporosis

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

What are the signs of osteoporosis?

Some of the main osteoporosis symptoms include:

  • Fragile bones which break more easily than usual
  • Loss of height over time
  • Stooped posture
  • Back pain due to fractured or collapsed vertebra

How is osteoporosis treated?

Osteoporosis treatment varies from case to case depending on the results of a bone density scan. Other factors such as your age and sex can also influence osteoporosis treatment – but some options include:

  • Increasing calcium and vitamin D intake
  • Bisphosphonates – these slow down the rate that your bones break down and help maintain density. Some examples of bisphosphonates are:
    • Alendronic acid
    • Ibandronic acid
    • Risedronic acid
    • Zoledronic acid

Useful resources

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

NHS Choices – Osteoporosis

Royal Osteoporosis Society – Charity

Osteoporosis Treatment Summary – NICE

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