Updated: July 29, 2019

Critical Illness Cover for Fibromyalgia

Concerned fibromyalgia may affect your income? We'll demonstrate the importance of finding the right policy, and how the severity of your condition affects premiums

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Richard Angliss

Author: Richard Angliss - Finance Expert

Updated: July 29, 2019

Fibromyalgia can be a tough condition to live with, but it’s a persistent condition which isn’t usually life-threatening and thus one that you can typically have covered by critical illness insurance.

In the event that you are diagnosed with the condition, getting critical illness cover will go a long way to safeguarding your financial stability. Those affected by fibromyalgia are more vulnerable to a potential loss of income through having to take time off work.

Because insurers are always updating their products, it’s best to seek advice from a critical illness insurance expert to fully explore your options.

Does critical illness insurance cover fibromyalgia?

A fibromyalgia diagnosis is most common among female adults ages 30–50, however, the condition can appear at any age and regardless of your gender.

The good news is that you don’t have to live with constant financial uncertainty in the event of a diagnosis: fibromyalgia can be covered by some critical illness insurance providers.

This is because it’s a neurological condition that’s generally mild, allowing people with fibromyalgia to continue to work either full-time or part-time, as pain and symptoms can generally be managed.

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How critical illness cover for fibromyalgia works

Health insurers will want to check your health history before accepting any critical illness cover applications which include fibromyalgia.

They will usually require medical information such as a GP report to support your application. Once you’ve taken out the cover of your choice with the help of an insurance broker, you will pay a monthly premium in exchange for a lump sum payout that is triggered in the event of a fibromyalgia diagnosis.

Make an enquiry and we’ll put you through to an advisor to discuss your insurance options.

How do I get critical illness cover for fibromyalgia?

The difference between success and failure when making a claim for a critical insurance cover payout usually lies in having the right policy in place for your needs in the first place.

That’s why financial experts advise getting help from a specialist insurance broker who will know where to find the best provider and policy for your situation.

We work with insurance experts who have a solid track record in successfully helping people get the right cover at the best price. Make an enquiry to get started.

Can I get critical illness insurance if I already have fibromyalgia?

A pre-existing condition may affect the cost of the policy and/or your chances of being approved. There are several key fibromyalgia health-related factors that will impact on the premium price and how much critical illness cover you are eligible to take out.

These include…

  • How severe your condition is
  • Whether you have previously been hospitalised due to fibromyalgia
  • What type of medication and treatment you are using
  • How long you’ve had the illness
  • Whether you have any other medical conditions

If you already have fibromyalgia and would like to take out critical illness cover, it’s a good idea to search the market to find an insurer with the best premium rates and policy.

However, you may find that while asking for a fibromyalgia insurance quote is straightforward, understanding the implications of an insurance policy can be complex. It’s also not always easy to get the insurance policy you need to protect any shortfall in income.

This is because there’s an inherent risk to providers to insure against a condition which could seriously impact your ability to work.

Speak to an expert advisor today!

Whether you’re interested in taking out critical illness cover for fibromyalgia, or you already have insurance but want to know what else is on the market, get in touch.

Fibromyalgia critical illness insurance rates and terms are often updated, so it’s generally worth reviewing your cover with the help of an expert, particularly if your health has improved.

Call us on 0808 189 0463 or make an enquiry. We’ll then put you in touch with an expert, who will be able to provide impartial advice tailored to your circumstances.

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We can help! We know everyone's circumstances are different, that's why we work with brokers who are experts in critical illness cover. Ask us a question and we'll get the best expert to help.

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Richard Angliss

Richard Angliss

Finance Expert

About the author

Richard Angliss has made a career in financial services which stretches over 40 years.

His early career was spent learning about the various financial products and applying them to prudent advice, working for one of the largest life assurance and investment firms. After that he joined the financial services arm of a very well-known firm providing independent advice to their 8 million customers.

For the last 20 years he has been involved in building software solutions that help Advisers and clients work together to achieve good financial outcomes and helping to set up three independent advisory firms. He also has written many articles for financial services publications and provided commentary for newspaper journalists.

At an early stage in his career he realised the great satisfaction that comes with being able to help people achieve their goals and protect their families. “Regulation of financial services has hugely impacted on ensuring people get appropriate advice. The issue these days is access to that advice and just as importantly regular reviews to make sure that everything stays on track”.

With the growing development of online resources such as Online Money Advisor he sees a great future for people to access advice to make their pension and investment work harder for them.  Plus, of course, to ensure they have insurance products in place that will be required when unforeseen events happen.

He knows getting that balance right is crucial to prudent financial planning and the wellbeing of individuals and their families.

FCA Disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms that are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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