UK Life Insurance

[mad-eyes]

Hi Helloos

Please could you tell me about insurance.

Why do you you have it?
is it just for the lupus?

i have read a couple of post where insurance is mentioned but i dont know what the insurance is for and why.

with luv
Emma xxx

[mad-eyes]

Oh right:blush:

Thankyou for explaining that.

Whilst on the insurance subject if i am dx with lupus do i inform my life insurance company?

with luv
Emma

[Joandublin]

Hi Emma:)

If you already have insurance I dont believe there is any onus on you to tell your insurance company about any diagnosis you have had since taking out your insurance. Certainly I never heard of that.

A word of caution however....it is next to impossible to get life assurance with a pre existing condition like SLE and even if you do it would be very expensive.

So if you havent sorted out your insurance stuff then its best to do it now before any firm diagnosis:)

Luv n stuff
Joan:rose:

[rachelthomp]

you've got me worreid now:worried: ,!!!! im just waiting for my insurance comp to get back to me to find out if they will take me on as we are trying to buy a house....has anyone else had problems with this??

hope you all are having a good :wink2: day..

Hi Rachel

I have started a new thread on Medications section for your question about MMF/Cellcept.
:)

The link is
http://www.thelupussite.com/forum/showthread.php?p=458747#post458747


Clare

[Clare.T]

As regards existing insurances of any sort I suggest reading the terms and conditions very carefull to see if there is any mention of having to report changes from when the insurance was taken out. Just in case failure to disclose means any claim won't be met.

I have heard of someone who had a renewable insurance denied after diagnosis. Or maybe she was trying to change the terms and got refused.

The insurance was that one that pays your mortgage if you get sick or lose your job. I can't remember what it's called, sorry.

If you are asked about your health and give a false answer the insurance will be invalid.

You can discuss the issue separately. For example if you have had lupus for a certain number of years and are stable the premiums wouldn't be as much as if you are recently diagnosed and have active lupus with organ involvement. But they would still be higher than for a healthy person.

That's because if lupus is going to turn real nasty, it usually does within the first few years.

Good Luck

Clare

[Christine UK]

Rach just to let you know when we bought our house 3 years ago one of the largest Uk insurance companies after speaking well writting to my gp etc wouldnt touch me with a barge pole ...the quesition is am i being discriminated against because of this illness ????

[Clare.T]

?

'Discrimination' is the whole basis of the insurance industry, which is risk assessment. You can get insured but at an increased premium.

Clare

[rachelthomp]

well i guess I'm just going to have to wait and see what they come back with,
and maybe have to try a few comp..(but it all take so long and is sooo drawn out)

thanks for replies I'm new to site and wish id done it sooner xx