Life insurance for Crohn’s disease

Finding life insurance if you suffer from Crohn's disease.

Crohn’s disease is a type of inflammatory bowel disease that can affect people at any age but generally develops in people aged 15 to 30 years. Crohn’s disease is incurable and is associated with a 47% increase in the mortality risk (Access Economics, 2007).

While there is no cure Crohn’s disease or colitis both are manageable with treatment, which makes securing life insurance relatively straightforward.

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Can you get life insurance if you have Crohn's disease?

You can get a life insurance cover if you have Crohn's disease. You can find the right coverage by researching and comparing different policies and providers. This way, you will be able have the best coverage for your condition for the right price that suits your budget.

Finding low cost life insurance cover if you have Crohn’s Disease

Some tips to help you find life insurance cover as a Crohn's disease sufferer include:

  • Do your research. Jump online and do a quick reconnoiter, you might be surprised with the options available to you. While Crohn's is a serious condition, it is not one that most insurers will exclude cover for and if it's under control, you might not have to pay much more for cover than someone without the illness.
  • Be realistic with coverage. Work out how much coverage you actually need you can avoid choosing more coverage than you realistically need, which could help to keep costs down.
  • Compare a range of deals. In order to boost your chances of finding affordable cover you need to ensure you compare a range of deals from different providers. You should check both the level of coverage and the cost of the cover when you compare plans.

Questions you might need to answer

  • Do you have a family history of Crohn disease?
  • Have you ever shown symptoms of Crohn’s disease that made you seek medical advice or have you been diagnosed with Crohn’s disease?

Make sure you provide details of your illness

Although it may be tempting, one thing you should never do is fail to provide details of your condition, as this could end up costing you dearly in the long run. You may feel that by failing to provide full or any details about your Crohn's disease you will be able to get life insurance at a much lower cost, and you would probably be right.

However, what you need to bear in mind is that if and when a claim is made on the policy, and your insurer finds out that you were being wilfully dishonest, your claim will not be paid.

What is Crohn's disease

Crohn's disease is a gastrointestinal illness that affects people in different ways but symptoms can include:

  • Abdominal pain (commonly in the right lower quadrant)
  • Diarrhoea
  • Fever
  • Loss of appetite
  • Rectal bleeding
  • Weight loss

Some people will suffer from mild effects as a result of this condition whereas others will experience more serious and more debilitating effects. Medical monitoring along with suitable medication is necessary to help control the symptoms of the condition, which is usually diagnosed in younger people who are in their late teens or early twenties.

Having a chronic illness such as Crohn's Disease will generally mean that you are charged higher premiums on cover such as life insurance, as you pose a bigger risk to the insurance firm compared to someone who is fit and healthy. However, this does not mean that you cannot get a good deal on your life insurance cover and should certainly not stop you from taking cover out. In fact, for those who suffer from illnesses such as Crohn's Disease, it is particularly important to take out life insurance cover, especially if you have a family that relies on you.

Common questions about Crohn's disease

  • Is Crohn's disease infectious? No, Crohn's disease is not contagious.
  • Can you take paracetamol with Crohn's disease? While you should always check with your doctor before taking any medication, Crohn's is known for reacting adversely to paracetamol. However, it's best top avoid non-steroidal anti-inflammatory medicines like ibuprofen.
  • Is there a cure for Crohn's disease? No. While there isn't a cure, Crohn's is treatable and many people live with the disease.
  • How do you get tested for Crohn's disease? Crohn's Disease can be difficult to diagnose. Patients present with symptoms that can be similar to other GI disorders. Lab tests are the only way to confirm the presence of Crohn's.

Compare life insurance brands who underwrite 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 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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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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