Life Insurance with Epilepsy

Life insurance with Epilepsy

In order to find you the best possible life insurance, we will ask you the following questions in regards to your epilepsy:

1. Type of epilepsy
2. Date of diagnosis
3. Any hospitalisation
4. Any underlying cause
5. Medication / Control method
6. Severity and frequency of seizures / attacks

Many people with Epilepsy can successfully get life insurance. If your epilepsy is well managed and you have not had experienced any symptoms of seizures for a number of years, you could be paying standard rates for cover with no loading.

Critical illness cover with Epilepsy

Critical illness cover is usually available for individuals living with epilepsy who are interested. If your epilepsy is well managed, standard rates will be applied. Effective management typically corresponds to a lack of symptoms or seizures over an extended period.

Individuals with Absence Seizures (Petit Mal) Epilepsy should be able to get insurance coverage without any extra charges or limitations.

Individuals with Tonic-Clonic Seizures (Grand Mal) Epilepsy may experience a slight increase in their insurance premium. There could be exceptions for epilepsy or neurological conditions when it comes to the Total and Permanent Disability part of your policy.

Critical illness cover provides a tax-free lump sum payment if you are diagnosed with a serious illness as outlined in your policy.

Income protection with Epilepsy

Obtaining income protection may present more challenges for individuals with epilepsy. In many cases, it’s still available and can be provided without any extra cost to your premium. Some individuals with epilepsy may have exclusions when it comes to income protection coverage.

Individuals with Absence Seizures (Petit Mal) epilepsy may be eligible for coverage at standard rates, although there may be certain exclusions related to their epilepsy.

Individuals with Tonic-Clonic Seizures (Grand Mal) epilepsy may receive insurance offers with certain terms or exclusions. In certain situations, a higher premium may be required.

You should think about which option works for you. It’s important to carefully read all policy wording before accepting cover.