If you’ve recently been diagnosed with a blood disorder, you may have found it difficult to get appropriate life insurance that covers your condition. Because of their complexity and unpredictability, many insurance companies avoid providing coverage for special conditions like blood disorders.
But don’t give up on getting life insurance if you have this. With Special Risk Managers, you can find the best and most appropriate insurance for your condition. Our specialists are experts at helping clients with medical conditions get coverage for many different ailments, including blood disorders and at times blood cancer. With our extensive network of insurance providers and partners in the industry, you’ll have more options for finding the right provider than if you go at it alone.
Whether you’re looking for life insurance, TPD, income protection, or trauma insurance, our specialists will help you find your best options to protect you and your family.
Call us on 1300 665 356 to find out more about our service. You can also send your enquiry to firstname.lastname@example.org for more information.
Blood Disorders in Australia
Blood disorders are one of the major health conditions in Australia, with blood cancer among the most common forms of cancer diagnosed in the country. In fact, according to the Leukaemia Foundation, blood cancer is the third leading cause of cancer death in Australia.
The Leukaemia Foundation also notes that as many as 60,000 Australians currently have blood cancer, with more than 13,000 being diagnosed each year. This amounts to around 35 Australians diagnosed each day. The Foundation also estimates that 4,900 people die each year because of some form of blood cancer.
Common Types of Blood Disorders
Because healthy blood is critical to the normal function of the human body, blood disorders often lead to serious health complications. Their impact on a patient’s daily life primarily depends on their severity, but some types present significantly more pain and discomfort than others even at their early stages.
The following are some of the most common blood disorders:
Anaemia is a blood disorder characterised by the lack of healthy red blood cells or haemoglobin in the blood. Red blood cells are primarily responsible for carrying and distributing oxygen to body cells, and a shortage of it means your body isn’t getting enough oxygen to function properly.
This is one of the most prevalent blood disorders in the world and also one of the most common in Australia. Common symptoms include extreme fatigue, lack of energy, shortness of breath, pale skin, irregular heartbeats, and frequent dizziness.
Successful treatment and management of this condition depend on its causes and severity. Although mild cases caused by insufficient diet can be remedied easily with a proper diet and medication, more severe cases may require more in-depth and lifelong treatment.
Haemophilia is a blood clotting disorder where a patient’s body is unable to properly control blood clotting. This is primarily caused by a deficiency of essential clotting factors that are critical to normal blood clotting. There are two types of haemophilia: haemophilia A and haemophilia B, which lack clotting factors VIII and IX respectively.
Common symptoms include episodes of internal or external bleeding, which vary according to the condition’s severity. This could manifest in a variety of symptoms and complications, ranging from simple bruising and swelling to deep internal bleeding and joint damage.
There is currently no known cure for haemophilia, but it can be successfully managed with the right treatment options and proper medication.
Leukaemia is a form of blood cancer typically attributed to a group of cancers involving the bone marrow. It’s characterised by the abnormal production of white blood cells, which end up undeveloped in the body and cause a variety of complications.
Although there are different types of leukaemia, it’s normally categorised as acute or chronic. With acute leukaemia, the bone marrow produces an excessive amount of immature cells (also called blast cells) that interfere with the production of normal blood cells. Chronic leukaemia, on the other hand, involves the accumulation of abnormal white blood cells that matured but developed irregularly for some reason.
Several types of leukaemia can be cured or properly controlled with the right treatment. Like any other form of cancer, however, early detection and the right treatment options are critical to successfully managing and curing this disease.
Lymphoma is a general term for cancer affecting the lymphatic system, which is a part of the immune system that helps regulate fluid levels in the body.
There are two main types of lymphoma: Hodgkin lymphoma (also known as Hodgkin disease) and non-Hodgkin lymphoma.
Hodgkin lymphoma is the rarer form of lymphoma, and it involves the presence of an abnormal tumour cell not found in other forms of lymphoma.
Non-Hodgkin lymphoma, on the other hand, is any other case of lymphoma that’s not Hodgkin. There are several subtypes of non-Hodgkin lymphoma, but they are typically categorised as either indolent or aggressive.
Many types of lymphoma can be cured or managed successfully, given an early diagnosis and proper treatment.
Also known as multiple myeloma, myeloma is a form of cancer that affects the blood’s plasma cells. It is characterised by the abnormal growth of myeloma cells, which forms into tumours in the bone marrow or other parts of the body. This abnormal growth of myeloma cells also affects the normal function of the bone marrow and the body’s white blood cells, which help fight infection.
Common symptoms include anaemia, frequent bruising or bleeding, and slow healing of infections.
There is currently no known cure for myeloma, but its symptoms and effects can be properly managed with the right treatment.
Get Life, Trauma, TPD, and Income Protection Insurance for Blood Disorders
When it comes to getting insurance for blood disorders and other special conditions, you can count on Special Risk Managers to help you find it. We’re industry leaders in providing insurance advice for clients who face tough situations or those who have been declined by other standard insurance companies.
We use our network of insurance providers and foster strong, executive-level relationships with insurance companies to help our clients get the special coverage they need. From life insurance and trauma insurance to TPD and income protection, our team will help you get the information, advice, and cover you’re looking for.
Call us on 1300 665 356 to get started.