Huntington’s disease and Insurance Cover

Do you suffer from Huntington's Disease? Find out what you need to know about getting life insurance.

An inherited condition that affects the nervous system and the brain, Huntington's Disease affects many Australians and can be extremely debilitating.

There are many symptoms associated with Huntington's Disease, which can affect you at any age but most common in people aged between 30 and 50. Some of the symptoms of this condition include:

  • Involuntary muscle movement
  • Reduced reasoning ability
  • Memory loss
  • Changes in personality
  • Slurred speech
  • Mood swings and emotional issues
  • Depression
  • Unsteadiness

Make an enquiry for life insurance if you have Huntington's disease

How does Huntington's disease can affect your chances of getting insurance?

If you've been diagnosed with Huntington's disease, it can impact your ability to get certain types of insurance because you represent an increased risk to the insurance provider.

However, if you apply for cover you need to disclose all details about your condition. If you don't and need to make a claim in the future, your claim could be rejected as you failed your duty of disclosure. While cover may be more expensive, it's worth taking out appropriate insurance cover if you suffer from Huntington's disease, as this can offer increased peace of mind and more importantly financial protection for you and your loved ones for the future.

What are the different types insurance that cover disability?

Income protection for Huntington's

Huntington's disease is a debilitating illness which can make holding full-time or part-time employment difficult. When you're already unwell, worrying about your finances can add insult to injury. With income protection insurance you can ensure you're able to continue receiving an income stream while you're unable to work. This means you can focus your attention on your health instead. Income protection can provide you with ongoing payments of generally up to 75% of you normal monthly salary, providing you with money for essentials such as bills, food, mortgage or rent.

Mortgage protection insurance

If you're no longer earning a steady income, mortgage protection insurance covers your mortgage repayments.

Why consider life insurance?

Huntington's disease has a variety of symptoms, such as unsteadiness or reduced ability to reason, which can place you at an increased risk of injury. Having a life insurance policy in place can provide your family with financial protection in the event of your death from Huntington's or provide you with a lump sum benefit in the event that you're no longer able to work (provided you have total permanent disability (TPD) cover as part of your policy).

TPD insurance

Available as part of you term life policy or as standalone cover, TPD can provide you with a lump sum benefit if you're deemed unable to work because of your ailment.

Get a quote from brands who assess conditions upfront

Name Product Maximum cover Maximum Entry Age Minimum Sum Insured Guaranteed Future Insurability Expiry Age Short Description
Cover for pre-existing conditions are assessed on a case by case basis. You will need to disclose during your application and you may need to speak to someone on the phone regarding your condition.
No expiry age as long as premiums are paid
Cover for pre-existing conditions are assessed on a case by case basis. You will need to disclose during your application and you may need to speak to someone on the phone regarding your condition.
Cover for pre-existing conditions are assessed on a case by case basis during the application process. You may be subject to an increase in premiums or a specific exclusion.
Cover for pre-existing conditions are assessed on a case by case basis. You may need to speak to the underwriter over the phone. Make sure you select the 'Tailored' option on site.

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Coverage is the amount of money that you will be paid in the event of a claim. An insurance consultant can help you determine an appropriate amount. Calculator
Provides a lump sum payment if you become totally and permanently disabled and are unable to return to work.
Provides a lump sum payment if you suffer a serious medical condition. Cover can be taken out for 40-60 medical conditions depending on the policy you choose.
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Richard Laycock

Richard is the Insurance Editor at finder, and has been wrangling insurance Product Disclosure Statements for the last 4 years. When he’s not helping Aussies make sense of the fine print, he can be found testing the quality of Aperol Spritzes in his new found home of New York. Richard studied Journalism at Macquarie University and The Missouri School of Journalism, and has a Tier 1 certification in General Advice for Life Insurance. He has also been published in CSO Australia and Dynamic Business.

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