Is Sepsis included within Critical Illness?
If, once you’ve read this case study, you’d like to talk through your situation, please call 0800 644 4468
Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.
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. We 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. This also means we avoid applying to companies who will end up being too expensive or worse, decline an application. By completing our research thoroughly, we are able to avoid wasting time and obtain the best terms possible for our clients.
What is Sepsis?
Recent media coverage has shown the devastating effects of Sepsis.
Sepsis is a rare but serious complication of an infection and is caused by your body’s response to an infection. Sepsis develops when the chemicals the immune system releases into the bloodstream to fight an infection cause inflammation throughout the entire body instead. (www.healthline.com)
Without quick treatment, sepsis can lead to multiple organ failure and death.
There are around 123,000 cases of sepsis a year in England. Around 37,000 people die every year as a result of the condition.
Anyone can develop sepsis after an injury or minor infection, although some people are more vulnerable.
An Insurers Perspective
The good news is that at least one Insurer now includes this condition within their Critical Illness policy.
If a client has had Sepsis, there are various stances an insurer can take. From standard life cover with no premium increases, to Sepsis being excluded from the cover. But, it would depend on whether the person had made a full recovery. The best thing to do would be to give us a call or request a call back. Our experienced Advisers will discuss your medical history with you. And find the best possible outcome in terms of coverage and premium.
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Whilst you are welcome to get a quote on-line we would recommend you talk to one of our advisers.
Any quote that your adviser provides you with will take into account to your circumstances, your medical history, as well as your budget!
An on-line 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 Freephone 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.
Take a look at our handy guides ‘What Cover is Right for me?’
Do you suffer with 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.
For more information on Sepsis: