At Special Risk Managers, we are the experts in providing professional life insurance advice and obtaining quality and affordable life insurance, income protection insurance, (Total and Permanent Disability) TPD insurance and trauma insurance for those who might not be able to get it otherwise.
If you have a pre-existing medical condition or have suffered from an illness or injury that has resulted in you being declined from other insurance providers, we may well be able to help. We utilise our strong relationships with reinsurance companies to obtain cover when it had been thought to be unavailable
We are firmly dedicated to delivering quality life insurance advice and making life insurance equally accessible to everyone regardless of your medical condition or health issues. Our team of insurance experts will help you where possible secure quality cover so that you can have the financial security and protection you deserve.
Medical Conditions We Can Help With | Life Insurance Advice
You can submit an online risk insurance enquiry by filling out our general health questionnaire, or if you suffer from a specific health issue you can click on the corresponding medical condition from the list below. The medical information gathered from your questionnaire will help your insurance adviser at Special Risk Managers determine your risk insurance options, and will get back to you as soon as possible to discuss these.
If your medical condition is not listed below or if you have a general query, please call us on 1300 66 53 56.
How Your Medical Condition May Affect Your Life Insurance Application
A pre-existing medical condition or health issue is typically defined as:
1. A health condition that was diagnosed or investigated by a medical practitioner, or
2. The appearance of certain symptoms leading to a diagnosis; and
3. It occurred prior to the commencement or reinstatement of your insurance policy
It is generally considered by insurance providers as any illness, ailment or condition that you have had or continue to have prior to applying for life insurance.
Insurance companies will need to look at your medical examinations, lab results and reports from your doctor and/or hospital. It’s always a good idea to talk to one of our dedicated insurance experts before you apply for any insurance products, to ensure you are getting the best protection possible from your cover.
With expert life insurance advice and extensive access to specialist reinsurance companies, we can help you obtain all types of insurance cover including income protection insurance, TPD insurance and trauma insurance. Get in touch with us today to find out what we can do for you.
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Common Medical Conditions and What They Mean For Your Insurance Policy
While it can be a difficult task obtaining adequate cover with a pre-existing medical condition, it’s certainly not always impossible. When you have Special Risk Managers on your side and our dedicated life insurance advice, you have a much greater chance of securing insurance that will provide you with the level of protection you need.
Depending on your condition and its severity, the application process may involve further underwriting or require you to provide additional information. Please also keep in mind that certain medical conditions will also affect your premium rates, however we always strive to provide you with the most affordable cover options for your condition and situation.
Some of the more common pre-existing medical conditions and what they may mean for your policy include:
Cancer
If you are a cancer survivor, you will need to provide specific information about the type of cancer it was, what stage it was when you were diagnosed, the treatments you took and the results of any follow-up checks. You will also need to provide a doctor’s report and copies of your Histopathology.
Diabetes Type I and II
If you have diabetes, you will be required to provide a copy of your most recent blood test so that the insurer can determine how well controlled your diabetes is. We will also get additional information from you relating to your diabetes, these details can include information regarding your treatment as well as any complications you might have experienced.
Epilepsy
Assessment will depend on factors such as the type of Epilepsy, frequency and time since last seizure etc.
Heart Conditions
Assessment will be based on the type of heart disease, treatment and other factors like height, weight, smoking status etc.
Hepatitis
Availability of insurance will depend on the type of Hepatitis and you will need to provide us with a recent set of blood test results.
Mental Illness
Conditions such as depression, anxiety, bipolar disorder and other mental illnesses are quite difficult to assess because of their varying forms, degrees of severity, and unpredictable nature. Availability of cover would depend on the control and treatment and whether or not you have been hospitalised or attempted suicide. In most cases the condition would be excluded from disability insurance policies.
Sleep Apnea
If you have a history of sleep apnoea, assessment will be based on the treatment and control.
Helpful Tips
When applying for life insurance, income protection insurance, TPD insurance or trauma insurance with a pre-existing medical condition or health issue, some of the best life insurance advice we can give is to keep a few important things in mind to help you prepare and successfully obtain the cover you want.
Here are our top tips:
Always Disclose Everything
You must tell your insurance provider the details of your medical condition, and give them any further information they would reasonably be expected to receive.
Withholding details can have serious consequences should you ever need to make a claim – if it’s found out that you didn’t disclose important medical details during the application, your claim may be rejected and you may have your cover cancelled from inception.
Gather Your Supporting Documentation
Before you apply for insurance cover or seek out life insurance advice, it’s a good idea to go through your records and gather all the information you have about your medical condition.
This includes any doctors you have seen, medications and their exact dosages, and any other treatments you have had. Make multiple copies of all your documents and be careful not to leave anything out in your application.
Create a Summary of Your Health
A report summarising your overall health can work well in your favour, as long as you are honest about everything. Focus on successful treatments and how you are controlling your condition, such as if you are going for regular check-ups, sticking to a treatment plan or adhering to medical advice.
And don’t forget to highlight the positive aspects of your health that are unrelated to your condition, such as if you exercise regularly, or are a non-smoker.