Insurance Options for Colitis


Together with Crohn’s Disease, colitis makes up the condition called Inflammatory Bowel Disease (IBD), which is one of the more serious medical conditions in Australia that continues to increase. If you or a loved one has been diagnosed with colitis, then you know how taxing and troublesome this disease can be. Not only can it cause significant pain and discomfort, but it can also affect your quality of life in a way that prevents you from doing certain activities.

This isn’t helped by the fact that colitis isn’t as well-known or widespread as other medical conditions, which can make finding the right life insurance coverage for it difficult. If you haven’t been able to find the life insurance you want or you’re simply unhappy with your options so far, Special Risk Managers can help.

Special Risk Managers are the experts at helping patients with serious medical conditions get the life insurance they need. Whether you’re after full life insurance, TPD insurance, trauma insurance, or even income protection, our insurance specialists will help you get it.

Call us today on 1300 665 356 to talk to one of our experts and get started with finding life insurance for colitis.

 

Colitis in Australia

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According to Crohn’s and Colitis Australia, there are more than 75,000 Australians in the country with IBD today. The organisation estimates that this could rise to 100,000 by 2022. Perhaps the most troubling thing about it, however, is that cases seem to be getting more complex and more severe. It also seems to be affecting more young people than before.

As far as care and treatment for IBD in Australia goes, a study by Crohn’s and Colitis Australia finds that there is still much room for improvement. Although treatment models and procedures for IBD cases are available, the study finds that long-term management solutions still need to be developed further, with most treatment procedures focused only on short-term care.

Given the present difficulties of acquiring effective, long-term treatment options for colitis and IBD, the right life insurance for colitis and IBD is becoming more valuable than ever. With the right cover in place, you won’t have to worry as much financially whenever you have to deal with the effects of colitis.

 

Symptoms of Colitis and IBD

Colitis is a general term used for an inflammation in the colon. Although there are several types of colitis, one of its most common forms is ulcerative colitis, which causes ulcers along affected areas of the colon.

Given that it falls under the umbrella of IBD, colitis also shares many of the same symptoms. Some of the common symptoms attributed to both colitis and IBD include:

– Abdominal pain

– Diarrhoea

– Fatigue

– Loss of appetite

– Weight loss

– Fever (in particularly severe cases)

Colitis is considered a lifelong gastrointestinal disorder, and its symptoms may come and go depending on the severity of the condition.

 

Difficulties with Colitis

No matter what form your colitis may take, there’s no question that it can be extremely problematic, especially if you’re dealing with a particularly severe case. Any of the symptoms above can easily keep you away from work, or, at the very least, hinder you from doing it at your best capacity.

Another troubling aspect of both colitis and IBD is their unpredictable nature. Not only are their underlying causes still not fully understood, but there are no definite cures for them yet. Treatment for both diseases focuses primarily on relieving symptoms, achieving and maintaining remission, and improving the quality of life of patients.

 

Protecting Your Future with Life Insurance

When it comes to protecting you and your family from the effects of colitis, getting the right life insurance is unquestionably one of the best ways to do it. With the proper life insurance coverage, you can minimise the effects of colitis or IBD, especially if symptoms and flare-ups progress to more problematic levels.

Getting TPD insurance, trauma insurance, or even income protection insurance can help reduce worries about your financial future if you or a loved one gets sidelined because of colitis. And although colitis or IBD are rarely fatal, getting life insurance for it can provide additional relief and better peace of mind for those who have it.

For many, the extra level of protection that life insurance offers is more than worth it. Not only can it provide financial assistance when you need it, but it can also reduce any worries you may have about how much colitis or IBD will affect you and your family’s futures.

 

Advice and Guidance from Special Risk Managers

If you’ve been finding it difficult to get appropriate life insurance for colitis or IBD, Special Risk Managers can help.

Special Risk Managers are Australia’s leading experts in helping those with serious medical conditions find the right life insurance for their needs. We’re renowned for our ability to find insurance for those whom standard insurance companies have rejected, so you can be sure we can help you find the cover and policies you’re looking for. In fact, many insurance companies regularly turn to us to help their clients with special cases get the appropriate life insurance coverage for their needs.

At Special Risk Managers, we can help you prevent colitis or IBD from taking over your life and affecting your future. To get started, simply call 1300 665 356 to discuss your needs with one of our insurance specialists, or send any enquiries to info@specialriskmanagers.com.au.

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