What is the impact of Bells Palsy on protection insurance

How will having Bell’s Palsy affect protection insurance?

Our process

When a client has a pre-existing condition or has suffered a serious illness in the past, the first thing we do is pick up the phone and speak to underwriters at many of the UK’s leading insurance companies. Discussing all of our client’s medical history helps us to identify the best company to apply to and avoids wasting time applying to companies who may be too expensive or worse, decline an application.  By completing our research thoroughly, we are able to shorten our research process and obtain the best possible terms for our clients.

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What is Bell’s Palsy?

Bell’s palsy is a temporary weakness or lack of movement affecting one side of the face. Most people make a full recovery within 9 months, but it can take longer.

In a small number of cases, facial weakness can be permanent. Bell’s palsy can not be prevented, because it’s probably caused by an infection. It may be linked to the herpes virus. NHS Choices 1 August 2017

How do Underwriters view Bell’s Palsy?

Each insurer has its own view of Bell’s Palsy.

We can search the market for you, to determine the most accommodating insurer for your medical condition, both in terms of the underwriting process and final outcome.

Questions we would ask you might be:

  • How many episodes?
  • When were your first symptoms?
  • Are you awaiting results?
  • Has diagnosis been confirmed?
  • Have you made a full recovery?
  • Is there still any weakness?

What can I expect?

The underwriting outcomes for people who have experienced Bell’s Palsy could range from:

A small increase in the monthly premium where someone has had more than one episode.

If a diagnosis hasn’t yet confirmed by a GP or if any tests are still ongoing, an application would be postponed until the diagnosis is made.

Or, the best-case outcome would be standard rates where the premium would remain the same as the initial quoted premium.

Please note that the above outcomes are for guidance only and individual outcomes will vary based on a client’s entire health history.

Getting expert advice is essential

We have a wealth of insurance knowledge. Once we have a good understanding of your requirements we will start the research process.

This involves us contacting many, and in some cases all, of the UK’s leading insurers to discuss your requirements. The purpose of this is to establish how they might treat an application.

Will they add a ‘loading’ to the premium (this is an additional amount on top of the standard monthly premium to reflect their additional risk)?

Would an insurer exclude certain conditions or activities?

Will they decline an application? We want to avoid wasting your time and ours by making applications which might be declined.

For help and advice – Call 0800 644 4468

Office hours – Mon – Thurs 09.00 to 19.00 and Fri 09.00 to 17.00

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Next steps

Whilst you are welcome to get a quote online we would recommend you talk to one of our advisers.

Any quote we provide you with will take into account to your circumstances, your medical history, as well as your budget!

An online quote is just that – a quote – it isn’t a definite offer of cover.
What really matters is the premium you are offered, after your application has been assessed.

Call 0800 644 4468 for help and advice

Please feel free to read our Independent client reviews, or read about the team at Future Proof

Please complete this short form if you’d like us to call you back at a convenient time.

Take a look at our handy guides ‘What Cover is Right for me?’

Do you suffer from a medical condition and concerned you can’t secure Life
Insurance?  Please view our ‘Medical Guides’ for further information.

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success.  All applications are subject to
underwriting.

Links to third-party websites exist for information only and we accept no responsibility or liability for the information contained on any such sites.
The existence of a link to another website does not imply or express
endorsement of its provider, products or services by us or St. James’s Place.

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