Epilepsy Life Insurance And Critical Illness Cover Guide

epilepsy life insurance

Pre-existing illnesses are more common now than they were a few decades ago.

Insurance Hero is an insurance company specialising in epilepsy life insurance and similar policies. It is willing and able to provide affordable life insurance coverage for those with pre-existing conditions, including diabetes, high blood pressure, and epilepsy.

In the past, it was almost impossible for someone with pre-existing conditions to attain life insurance coverage, let alone find a policy that fits into his or her overall budget.

With these illnesses becoming more prevalent, insurance companies are now more open to the idea of providing comprehensive, affordable critical illness coverage as long as the condition is being managed properly.

Without proper epilepsy life insurance protection, would your loved ones be able to do the following if you weren’t around to help?

  • Settle any outstanding mortgage payments
  • Clear any outstanding debts in your name
  • Fund their current lifestyle if required
  • Buy a new home or property
  • Plan for a funeral
  • Deal with the burden of inheritance tax
critical illness cover epilepsy

Compare The Leading Epilepsy Life insurance Companies To Get The Best Deal On Epilepsy Cover

epilepsy life insurance cover

What is Epilepsy Exactly?

Epilepsy is one of a spectrum of nervous systems disorders that is most commonly defined by the recurrence of different levels of seizures. Seizures are disturbances in consciousness, muscle movement, and sensations usually controlled by the cerebral organ.

Epilepsy umbrellas several different sub-conditions distinctively defined by various combinations of different symptoms or types of seizures. Although all of the symptoms may differ, epilepsy is often treated by combining different medications to treat the patient’s unique symptoms.

These medications are used to help control the patient’s seizures or even stop them from occurring altogether. Major epilepsy and minor epilepsy are the two most common forms of this condition.

Major epilepsy, also called grand mal epilepsy, is defined by seizures that include convulsions, muscle spasms, varying levels of lost consciousness, and even a distinct epileptic cry. Major epilepsy can occur on its own or in combination with other types of this condition.

Minor epilepsy, also known as petit mal epilepsy, begins to develop in the patient’s childhood. As the patient passes into adulthood, this type of epilepsy mixes with other seizure patterns. A petit mal seizure is usually less traumatic than a grand mal seizure and includes short periods of hazy consciousness that last up to 30 seconds.

How does Epilepsy Affect a Life Insurance Application?

Although pre-existing conditions do not bar individuals from obtaining epilepsy life insurance, it is the general practice to handle these applications differently. First, insurance agents will take a much closer look at the applicant’s medical history, looking for indications that his or her condition is well managed by both the applicant and the doctor.

Agents will generally ask a series of medical questions. When answering these questions, it is important to have an accurate medical record of treatments and medications available. If the insurance company finds the condition is well managed, it will often be able to supply an affordable insurance plan.

Insurance Hero specialises in handling insurance applications for those individuals with pre-existing illnesses such as epilepsy.

It is important to remember that a medical condition should not stop an applicant from obtaining the epilepsy life insurance cover he or she needs at an affordable price. We also offer life insurance for seniors with pre-existing conditions, so please contact us today for a no-obligation chat.

When a person provides proper, accurate medical records, it is possible to arrange and grant the applicant the life insurance policy with a specific budget and needs requirements.

If you would like more information on the life insurance policies that Insurance Hero can provide for individuals with pre-existing conditions, please contact one of our knowledgeable insurance agents today.

Related Reading:

Critical Illness Cover Explained