Yes. All causes of death are usually covered by life insurance. To make sure that epilepsy is covered by the life insurance policy you're considering, check the exclusions in the product disclosure statement (PDS), and also make sure that the policy is not just designed to cover accidental death. With some policies, there are waiting periods (the time you need to wait before you're covered). You can also ask the insurer about these things before you commit to buying a policy.
Yes, it's possible but it depends on a few factors such as the type of epilepsy you have, how often you have seizures, and other health issues you may face. If you're able to get insurance, it's very likely that you'll pay more for a policy. It really comes down to the severity of your condition and how much impact epilepsy has on your life.
When you apply for life insurance with epilepsy, the insurer is likely to come back with one of the following answers:
The answer they give you will depend on the severity of your condition.
Our research team looked at 31 life insurers in August 2021 and found 14 that will cover epilepsy in Australia. During the online application process, you will need to mention your epilepsy history.
| Provider | Epilepsy cover | Maximum cover | Maximum entry age | Fully underwritten | Terminal illness benefit | Optional extras | Apply |
|---|---|---|---|---|---|---|---|
| NobleOak Life Insurance | Yes | $25,000,000 | 74 | Yes | Yes | TPD, Trauma | Get quote |
| Zurich Ezicover Life Insurance | Yes | $1,500,000 | 69 | Yes | Yes | N/A | Get quote |
| AAMI Life Insurance | Yes | $1,500,000 | 65 | Yes | Yes | Trauma | |
| Insuranceline Life Cover | Yes | $1,500,000 | 65 | Yes | Yes | Trauma | More info |
| Bendigo MaxLife Life Protect | Yes | Yes | TPD | ||||
| HBF Ezicover Life Insurance | Yes | Yes | N/A | ||||
| RAC Life Protect | Yes | $25,000,000 | 74 | Yes | Yes | TPD, Trauma | More info |
| Suncorp Life Protect Insurance | Yes | $1,500,000 | 65 | Yes | Yes | Trauma | More info |
| AIA Life Insurance | Yes | 74 | Yes | No | TPD, Trauma | More info | |
| AMP Life Insurance | Yes | No limit | 70 | Yes | No limit | TPD, Trauma | Learn more |
| ClearView Life Insurance | Yes | $20,000,000 | 75 | Yes | $20,000,000 | TPD, Trauma | More info |
| CommBank Life Insurance | Yes | $1,000,000 | 65 | Yes | Yes | TPD, Trauma | More info |
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If you have epilepsy, the life insurance provider is likely to ask you:
In most cases, your insurer will ask for a medical history report. You can usually get this from your doctor.
When you apply for insurance, your monthly payments (premiums) are calculated based on your health, lifestyle, age and job you have at the time. You don't generally need to inform your insurer of any changes once your policy has been accepted, so long as you've been truthful when you first applied.
If you want to update your policy though, for instance, you may want to increase your cover when you get a new home or get married, then you'll have to let the insurer know about your seizures by undergoing another medical report.
✅ Yes. You need to disclose all relevant medical information when you apply for life insurance. If you have epilepsy, it's considered a pre-existing medical condition, so you'll need to let the insurer know. If you don't, you risk voiding your policy and could be refused a payout when you die.
Asking questions about your health is an important part of the underwriting process so it's crucial that you are truthful. When you apply, you'll also be asked about your family medical history, your age, job and lifestyle habits.
✅ Yes. If you have epilepsy, you may have to pay more for life insurance, but there's a reason for that – you're at a greater risk of something serious happening. To protect yourself and the people who depend on you, it's worth getting a life insurance policy. It can pay off debts like your mortgage and car loan, as well as cover everyday living expenses for your family, from groceries to utilities.
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