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Facts about UTI (urinary tract infection) life insurance

According to a study in 2013, up to as many as 60% of women will be affected by urinary tract infections (UTIs) in their lifetime. This is far less common in men as it is biologically not as prominent in males, but it does still happen.

People don’t usually connect UTIs with having difficulties getting life cover, but there are certain things to consider. We’ll explain a bit more about how this works and what the best options are for you to protect your family.

Life insurance for pre-existing medical conditions such as UTIs can be confusing and frustrating, but you’re not on your own here.

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Most people wouldn’t consider urinary tract infections to have any impact on life cover, and that can be true.

Can I get life insurance with UTIs?

YES – you can definitely get life cover if you suffer from or have suffered from urinary tract infections. There are a few things to think about here and you might need to answer some extra questions about your medical history.

When you apply for life cover, you’ll usually be asked a set of questions about your medical history, health, and lifestyle. These are simply to enable insurers to get a better understanding of your circumstances.

Life insurance questions about UTIs

Some common questions that you’ll be asked about urinary tract infections when applying for life insurance are:

  • In the last 5 years have you had Kidney stones, urinary infections, or anything else affecting your kidney, bladder, or urine?
  • Was your UTI caused by infection, urethritis, narrowing of the urethra, prostate problems, kidney stones, or other kidney problems?
  • Are you undergoing any scans, tests, or investigations for this condition?

Is urinary tract infection a pre-existing medical condition for life cover?

You will usually be asked if you have had any symptoms or treatment for this condition within the last 5 years. If you haven’t experienced any symptoms or received any treatment for more than 5 years then you may not need to disclose it.

How much is life insurance with a UTI?

The cost of life cover depends on:

  • Sum assured (amount of cover)
  • Type of cover (level or decreasing)
  • Term of policy (length in years)
  • Medical history
  • Smoker status
  • Lifestyle (e.g. occupation, activities, and travel)

Here’s a quick example of what someone with an average history of UTIs might pay for life insurance:

Age (Date of birth)33 (13/10/1987)
Height / Weight5’7” / 12’5 stone
Cause of UTIInfection
Last symptoms2020
Awaiting any tests, scans, or investigationsNo
Symptoms in last 2 years3 or 4 times
Do you have any kidney problemsNo
Have you required treatment or testYes
Amount of cover£200,000
Term of cover20 years
Cover typeLevel term (family protection)
iam|INSURED premium£9.68

Best life insurance for UTIs

There are several main types of life cover that protect your family against death, serious illness, accidents, and time off work. The best cover for you depends on what you want to protect and what you can afford to pay.

Term life insurance with UTIs can be very simple to buy a new policy and will often be affordable premiums. This is the best way to protect your family if anything happens to you and it’s the most affordable type of financial protection

Mortgage life insurance with UTIs is the same underwriting as a family (level term) life cover and premiums are cheaper. This is because the amount of cover reduces at a similar rate as your mortgage

Critical illness cover with UTIs is often available through most mainstream insurers where symptoms are mild and infrequent. If you’ve had more frequent or severe flare-ups then you might be accepted for this cover with an exclusion

Does life insurance payout for UTIs?

Life insurance is generally underwritten at the point of application and won’t exclude pre-existing medical conditions. If you have disclosed a medical condition then your cover should take that into account.

Common questions about UTIs

Here are a few examples of some of the most common questions about urinary tract infections.

What causes UTIs?The inflammation of a UTI is caused by microorganisms (most commonly bacteria) entering the urethra or bladder.

Although it is mostly a bladder and urethra inflammation, it can also spread through your ureters and cause kidney infections.
Can UTIs go away on their own?There are methods to help resolve urinary tract infections without the need for taking antibiotics, depending on how severe the symptoms are.

Some things that are said to work are re-hydration sachets, cranberry juice, and water. According to some statistics, around 25 to 42% of UTIs clear on their own.
How does a UTI make you feel?It depends on how severe your symptoms are and where it occurs, but the feeling can be extremely uncomfortable, and sometimes painful. Often you will feel a burning sensation around your bladder or urethra while urinating.

If your symptoms are more severe, then you could feel shaky, lethargic, or even disorientated. Often you’ll feel like you need to urinate regularly and could even feel like you just can’t go.
How do you get rid of UTIs more quickly?There are seven more commonly known cures for urinary tract infections, including:

Drink water (you should drink excessive amounts of water to flush out the bacteria)
Frequent urination
Pain relief
Heating pads
Wear loose clothing
Cranberry juice

Useful resources

NHS – Urinary tract infection (UTI)

NHS Inform – Urinary tract infection (UTI)

Mayo Clinic – Urinary tract infection (UTI): Symptoms & Causes

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