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Guide to Crohn’s Disease life insurance

We look at how Crohn’s Disease life insurance works, how much it might cost, and answer some of the common questions that people ask

A photo of Daniel Sharpe-Szunko, the author

By Daniel Sharpe-Szunko

Published on: 4 May 2023

7 min read

Guide to Crohn’s Disease life insurance

Life insurance is the very best and cheapest way to provide financial protection to your loved ones for the future. You can provide your children with financial security in the event of your death from as little as £5 per month with most insurance providers.

One of the common issues that people come across when applying for cover is pre-existing medical conditions, such as Crohn’s Disease life insurance. If you’ve been diagnosed with a medical condition like Crohn’s Disease, then it can affect how much life insurance costs and the options that are available to you.

In this guide, we’ll look at how Crohn’s Disease life insurance works, how much it might cost, and answer some of the common questions that people ask.

It’s often frustrating applying for any type of insurance and especially those where you’re asked lots of questions. Life insurance is no different and some of the health questions can be quite strange or intrusive.

Ultimately, you’ll need to look past this and focus on the outcome, which is protecting your family and getting a fair price.

Crohn’s Disease facts and figures UK

Crohn’s Disease is a common chronic Inflammatory Bowel Disease that affects the gastrointestinal tract. The condition can occur at almost any age, however symptoms usually start in childhood or early adulthood.

A recent study carried out by the leading charity Crohn’s and Colitis UK has found that 1 in 123 people in the United Kingdom has Crohn’s Disease or Ulcerative Colitis. This means that there are approximately 500,000 living in the UK with Inflammatory Bowel Disease (IBD).

Can I get life insurance with Crohn’s Disease?

Yes, Crohn’s Disease with life insurance applications isn’t considered to be severe and generally you won’t have any problems getting cover.

When you apply for life insurance with Crohn’s Disease you’ll be asked some questions that are specific to your condition. These questions are specifically set out to apply the correct premium to your cover and make sure that your policy is suitable.

Crohn’s Disease questions for life cover:

  • When were you diagnosed with Crohn’s disease?
  • Are you currently awaiting surgery, treatment or investigations
  • Have you had any eye problems, joint pain, liver disease, or bile duct issues
  • What is your treatment (e.g. steroids, immunosuppressants or hospital treatment)
  • When was your last flare-up

Your answer to these questions will determine:

  1. Whether life insurance is available
  2. Will you require any further medical underwriting
  3. Does your application require medical evidence (e.g. GP report)
  4. What premium you would pay

These aren’t a bad thing and this all means that your cover will be suitable and that it should pay out in the event of a claim. Life insurance for people with Crohn’s Disease will often be accepted automatically with no further underwriting or medical evidence.

Is Crohn’s Disease life insurance different?

No, your life insurance policy will be exactly the same as a traditional or standard life insurance policy and should pay out in exactly the same way. Most people are concerned whether Crohn’s Disease life insurance pays out differently or has exclusions, which isn’t the case.

The only difference between life insurance for someone with Crohn’s Disease and a standard policy, is the premiums. Your life insurance premiums are likely to be slightly higher than someone with no health or medical issues.

It is also possible that certain life insurance companies might offer cheap premiums for people with Crohn’s Disease. This isn’t a problem generally, it just means that the cheapest cover for you might not be the same as your partner for example.

More on this topic:

Life insurance premiums are priced based on a number of standard factors as well as other elements, such as your health and medical history.

Crohn’s Disease life insurance is often cheaper than people think and there are a few things that you can do to save money. When you take out life insurance to protect your family or your home, your premiums will be calculated based on:

  • Your age when you apply
  • Amount of cover that you need
  • Term of your cover (years)
  • Type of policy (e.g. family or mortgage life insurance)
  • Smoker status (smokers pay higher premiums)

For a Crohn’s Disease life insurance policy, there are some additional elements including:

  • Date of diagnosis
  • Symptoms
  • Treatments
  • Hospitalisation

If you disclose a pre-existing medical condition, such as Crohn’s Disease, then your premiums will be calculated based on your medical history as well. This is to make sure that your life insurance policy pays out if you die, regardless of the reasons for death.

You will usually find that Crohn’s Disease life insurance premiums will be slightly higher than standard life insurance premiums. However, there are a few things that you can do to make sure that you don’t pay more than you should for life insurance with Crohn’s Disease:

  1. Speak to a medical life insurance specialist
  2. Compare quotes from several insurance companies
  3. Don’t apply for life insurance online
  4. Avoid buying life insurance through your bank
  5. Apply for life insurance when your symptoms are less severe

Most Crohn’s Disease life insurance premiums will be cheaper than you think, but you can pay higher premiums if you don’t get proper advice.

Does life insurance pay out for Crohn’s Disease?

Yes, as we’ve mentioned above there are no medical exclusions with traditional life insurance and so your policy will pay out if you are suffering from Crohn’s Disease.

The only exclusion that often applies to life insurance is death from suicide in the first 12 or 24 months. Your policy should be underwritten at the point of purchase which should also mean that your cover is valid and will pay out if you die during the term of your cover.

If you die as a result of your Crohn’s Disease or something that was linked to your medical condition, then your life insurance should always pay out. There are just a few things that you need to know to make sure that your Crohn’s Disease life insurance policy pays out.

Key points to make sure that your policy pays out:

  • Non-disclosure: make sure that you fully disclose your medical history
  • Premiums: keep your premiums paid up to date to make sure that your policy is live

Is Crohn’s Disease covered by critical illness insurance?

Crohn’s Disease is generally not listed as one of the common serious illnesses on a traditional critical illness insurance policy.

Most critical illness insurance policies are designed specifically to provide cover for conditions that have a major impact on your lifestyle after diagnosis and treatment. If you needed time off work for Crohn’s or another condition, the lump sum received can be useful as extra financial support. Crohn’s Disease can lead to other health problems that may be covered by your critical illness insurance policy, such as:

  • Cancer
  • Heart disease
  • Heart attack
  • Stroke

Crohn’s Disease is generally not life threatening and does not cause serious issues with your ability to work or perform normal daily tasks.

Another option that you might want to consider is Crohn’s Disease income protection insurance to protect your earnings. If you can’t work for more than 4 weeks then this type of policy would replace your income for usually up to 2 years.

Critical illness insurance and income protection insurance are both extremely useful policies to protect your family if you become ill or injured.

More about critical illness cover:

The only real impact that Crohn’s Disease has on life insurance is the price that you’ll pay for cover each month. Crohn’s Disease life insurance should be exactly the same cover as a traditional or standard life insurance policy.

Crohn’s Disease life insurance pays out when you die, regardless of the cause of the cause of death or whether it was related to your medical history.

There are however some life insurance policies that may exclude pre-existing medical conditions. These policies can be called ‘guaranteed life insurance’ or ‘no medicals life insurance’ and they would generally be cheaper than fully underwritten life insurance. These policies don’t require any questions about medical information to be asked during the application.

Crohn’s Disease life insurance underwriting

When you apply for traditional life insurance, your application will go through an underwriting process. This can be done either automatically online or will be done manually by an underwriter.

Crohn’s Disease life insurance underwriting is usually automated and generally you would be able to get a decision immediately. If your symptoms are more severe and your treatment is more frequent then you might require a GP report or a medical.

Reasons for medical underwriting for Crohn’s Disease life insurance:

  • Recent hospitalisation
  • Severe symptoms / flare-ups
  • High sum assured
  • Older applicants
  • Steroid treatment
  • Outstanding investigations

Life insurance underwriting will vary from one insurance provider to another and it is likely that you’ll get very different decisions or outcomes.

Many people will be declined life insurance with a pre-existing medical condition with one provider and then accepted by another. It’s not uncommon to be refused cover if you’ve got Crohn’s Disease and especially more severe symptoms, but this won’t affect any future applications.

Crohn’s Disease life insurance medical underwriting:

  • GP or Doctors report (paid for by the insurance provider)
  • Specialist report (if applicable)
  • Medical or nurse screening
  • Letter from GP or Doctor (medical evidence)

Best Crohn’s Disease life insurance companies

There are a number of Crohn’s Disease life insurance specialists that you can speak to who are more experienced than most.

Most life insurance providers will accept Crohn’s Disease as a pre-existing medical condition for life insurance. The tricky bit is to find the lowest premiums and to get the most fair price for this type of cover.

Some of the best Crohn’s Disease life insurance companies are:

How to get affordable Crohn’s Disease life insurance

As we have mentioned earlier in this article, the best way to get affordable Crohn’s Disease life insurance is to speak to a specialist.

Most companies will be able to provide you with cover but it might not always be the lowest premiums or give you the best options. A Crohn’s Disease life insurance specialist will generally understand more about your medical condition and know what to do to help.

If you need to speak to a Crohn’s Disease life insurance expert then you can call 0800 009 6559 or CLICK HERE for Free Advice.

Resources

NHS – Crohn’s Disease

Crohn’s & Colitis UK – Crohn’s Disease

GUTS Charity UK – Crohn’s Disease

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