Critical Illness Cover for Fibromyalgia
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.
- Does critical illness insurance cover fibromyalgia?
- How critical illness cover for fibromyalgia works
- How do I get critical illness cover for fibromyalgia?
- Can I get critical illness insurance if I already have fibromyalgia?
- Speak to an expert advisor today
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.
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.
- 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 here. We’ll then put you in touch with an expert, who will be able to provide impartial advice tailored to your circumstances.