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Paralysis life insurance

It is common for people to assume that life insurance isn’t available to people who have been paralysed, or that it costs too much and/or won’t pay out.

The fact of the matter is, however, that there can still be cover available and it more comes down to the cause of your paralysis. Some life insurance companies are able to offer more favourable rates than others for various pre existing health conditions, so the goal is to find the best one for you.

A specialist life insurance broker will have a wealth of knowledge in paralysis life insurance coverage and how the various health issues can impact your policy.

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YES – if you were to pass away from anything during the term of your policy, including those linked to paralysis, then a paralysis life insurance policy would pay out a tax free lump sum to your loved ones.

This is because life insurance is designed to include pre-existing medical conditions and cover you for every eventuality. It is therefore important to make sure that you answer any health questions truthfully and ensure that all medical conditions are fully disclosed on your life insurance application.

As mentioned above, life insurance companies treat certain medical conditions differently, which means that some insurers can offer better life insurance rates than others. This will of course depend on your individual circumstances, so choosing the best provider is very much done on a case-by-case basis.

Does critical illness cover pay out for Paralysis?

YES – each insurer has a list of medical conditions which will cause a payout on your critical illness cover if you get diagnosed with them whilst your policy is active.

It is important to understand which conditions are covered when choosing your insurer, but many of them do include total paralysis and partial paralysis (such as paralysis of limb) within their critical illness definitions.

Some of the conditions commonly paid out on critical illness cover include:

If you already have paralysis then you may find that certain exclusions are applied to your critical illness cover depending on the cause and severity of the condition.

Will income protection pay out for Paralysis?

YES – if you take out an income protection insurance policy and then get paralysed, an income protection policy can be hugely beneficial as it will pay you a monthly benefit while you are unable to work.

Income protection insurance can pay out for 12 or 24 months if your GP signs you off work and generally kicks in after 4 weeks – though different waiting periods are available from some insurers.

Income protection can be used to help pay for many things, such as:

  • Mortgage or rent
  • Bills and household spending
  • School fees
  • Medical treatment
  • Travel

If you’ve already been diagnosed with paralysis then it may be more difficult to find income protection all together. This is because your eligibility for coverage depends on your ability to work, so total paralysis would make cover unavailable.

It may, in some cases, be possible to get cover if you have paralysis of a limb provided that you’re still able to work, but this will also depend on the cause of the paralysis.

Will I need a medical to get Paralysis life insurance?

More often than not, yes. It is understandable why most insurance companies will want to examine your medical records to determine the cause of something as significant as paralysis.

This is because there is obviously a big difference between the paralysis being caused by a serious medical condition that is likely to get worse, and being caused by a simple injury or a congenital issue.

The two main types of medical evidence requests are:

  • GP report / medical history
  • Nurse screen

Paralysis can be caused by or linked to many other conditions, some more serious than others. Below are some examples.

What is the main cause of paralysis?In most cases paralysis will be caused by a spinal cord injury or medical condition such as a stroke or autoimmune disease.
What are the types of paralysis?Types of paralysis include:

Monoplegia: Paralysis affecting one arm or leg

Hemiplegia: Paralysis affecting one arm and leg (same side of body)

Paraplegia: Paralysis affecting both legs

Quadraplegia/tetraplegia: Paralysis affecting both arms and both legs
Can a person recover from paralysis?It is possible to recover from paralysis in some cases, depending on the cause.

Recovery from paralysis can take up to a year or more with treatments such as physiotherapy.

Useful resources

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

NHS Choices – Paralysis

Spinal Injuries Association – Charity

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