Life Insurance for Encephalitis

Compare life insurance and trauma insurance for encephalitis.

Life and trauma insurance can provide your family with financial security in the event of your death from a range of illnesses. One such medical event covered by most insurers is encephalitis.

Encephalitis is an inflammation of the brain that is usually the result of a viral infection. There are different levels of severity with encephalitis with severe cases sometimes resulting in death. This article provides an overview of encephalitis and how it is covered by different life insurance companies in Australia.

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What life insurance companies that are part of the panel, provide cover for encephalitis in Australia?

ProviderConditions of Benefit Payment
AIALife insured suffers serious inflammation of the brain resulting in permanent neurological deficit to the degree that they are unable to perform at least one daily act of living and have suffered at least a 25% impairment of the whole person function.
AMPThe Insured person must be diagnosed as having encephalitis by a certified medical practitioner. They must be unable to perform at least one act of daily living without the assistance of someone else, causing at least 25% impairment of whole body function. encephalitis that is a result of HIV/AIDs is excluded.
AsteronUnequivocal diagnosis of encephalitis by a certified practitioner whereby the insured is unable to perform one of the daily acts of living or have 25% permanent impairment of whole brain function.
BTInsured has suffered serious inflammation of the brain resulting in neurological deficit as confirmed by an approved consultant.
ComminsureSerious inflammation of the brain substance resulting in a permanent loss of at least 25% of the whole body function or an irreversible inability to perform at least one of the acts of daily living without the assistance of another person.
MacquarieAcute inflammation of the brain resulting in at least 25% loss of whole body function or total inability to perform one of the daily acts of living.
MLCInsured person suffers encephalitis resulting in;

  • Loss of 25% of the brains mental function or physical control function
  • Loss of ability to perform one or more acts of daily living
  • Severe cognitive impairment with Mini-Mental State score of 15 or less out of 30

Permanent loss or impairment described above must last for a period of at least 6 months. Encephalitis that is a result of HIV is excluded.

OnePathInsured suffers encephalitis resulting in at least 25%loss of whole body function and total and irreversible loss of ability to perform at least one of the daily acts of living.
TALSevere cognitive impairment following inflammation of brain.
ZurichInflammation of the brain resulting in 25% cognitive impairment of the brain and inability to perform at least one act of daily living.

What if I already have encephalitis?

Most insurers will need to assess your condition individually before deciding if you are covered. These direct brands access applicants on a case-by-case basis:

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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What is encephalitis?

Encephalitis is caused when there is severe inflammation of the brain and is caused by a viral or bacterial infection.

What is encephalitis lethargica?

A less common form of encephalitis is encephalitis lethargica. This less common form of encephalitis is very rare now but did reach pandemic proportions.

Limbic System encephalitis

In a large number of cases, called limbic encephalitis, the pathogens responsible for encephalitis attack primarily the limbic system (a collection of structures at the base of the brain responsible for emotions and many other basic functions).

What are the symptoms of encephalitis?

There can be many symptoms of encephalitis such as headache, fever, confusion, drowsiness, and fatigue. More advanced and serious symptoms include seizures/convulsions, tremors, hallucinations, and memory problems.

Who is more likely to suffer encephalitis?

Encephalitis is generally more common among children aged 1 year or less and adults over 55.

How is encephalitis treated?

The treatments that are available for encephalitis will usually treat the symptoms and not the illness itself. The treatment will vary from case to case depending on the severity of the condition. Treatment may include:

  • Hospitalisation
  • Anti-viral medication
  • Pain killers
  • Drugs to reduce fever and vomiting
  • Fluids to reduce dehydration

Where the insured has suffered brain damage as a result of encephalitis, they may be required to receive long-term supportive care and therapy.

Support from trauma insurance to assist people with encephalitis

Most insurers will only provide a benefit payment if the insured has suffered severe cognitive impairment as a result of their encephalitis. These cases will generally require continuous ongoing care and rehabilitation, the price of which may run into the tens if not hundreds of thousands of dollars. Provided the insured meets the eligibility requirements as stated under their product disclosure statement, they will be provided with a lump sum benefit to cover these costs. This can ensure that the insured and their family are able to maintain their same quality of life if they are unable to return to work to their full or reduced capacity ever again.

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William Eve

Will is a personal finance writer for specialising in content on insurance. While he cannot give personal advice to clients, Will enjoys explaining the intricacies of different types of protective cover to help individuals and businesses find affordable cover that won't leave them underinsured.

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