Insurance Information for Epileptics


Epilepsy Insurance

If you suffer from epilepsy and are looking for income protection and life insurance advice, Special Risk Managers is here to help.

Finding reasonable and affordable cover when you have epilepsy can be incredibly difficult, if not impossible. However, at Special Risk Managers, we are the industry-leaders at securing life insurance and income protection for those who suffer from conditions such as epilepsy.

With over 250,000 epileptics in Australia, epilepsy is far more prevalent in Australia than most would expect. According to the World Health Organisation, epilepsy is the world’s most common serious brain disorder. As such, it is vitally important that individuals suffering from this problem are able to obtain epilepsy life insurance and income protection. This cover will greatly assist you in times of need.

If you would like to find out how we can help you get covered, please fill in the form below or call us on 1300 66 53 56.

 

Getting Life Insurance and Income Protection With Epilepsy

Obtaining affordable life insurance and income protection whilst being an epileptic can be quite a frightening prospect. Fortunately for you, we are here to ensure it doesn’t have to be that way. We are the industry leaders in obtaining affordable cover for clients who have pre-existing conditions such as epilepsy.

If you have Epilepsy and have been able to manage and control it well, you would know that you will be able to live a long and normal life. Unfortunately, many Epileptics have been declined and charged exorbitant rates by insurance companies just to obtain a basic level of cover. We are experts at finding the insurer that will look upon your case most favourably, this will ensure that you and your family have peace of mind should the worst occur. We are able to do this by taking advantage of relationships we have developed with executive-level representatives at Australia’s major insurers.

Why Choose Special Risk Managers to Obtain Insurance?

At Special Risk Managers, we are experts at what we do and we offer industry-leading life insurance advice to our clients who suffer from a broad range of medical conditions, including epilepsy.

If you suffer from epilepsy it can be a very daunting experience trying to get life insurance. We are here to help you when insurance companies consider you uninsurable. The life insurance advice we can provide you with can assist you in receiving the income protection or life insurance that you deserve.

At Special Risk Managers, we are experts at finding the insurer that will look upon your case most favourably, this will ensure that you and your family have peace of mind should the worst occur. We are able to do this by taking advantage of relationships we have developed with executive-level representatives at Australia’s major insurers.

With over 40 years of international experience in the life insurance industry, you can trust us to help you secure the insurance policy that best suits your needs.
 


 

Epilepsy Insurance Questionnaire

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How Do Insurance Companies Assess Epileptics?

Epilepsy is a very complicated illness with a number of varying forms that each represent different risks to the sufferer. As with all pre-existing conditions, insurance underwriters will look at how severe and how well your Epilepsy is controlled.

Other factors that will be taken into account include how long it has been since your last symptoms as well as how regularly you go to the doctor for check-ups. Insurance companies will look to categorise you into 1 of the main types of Epilepsy. The different types of epilepsy are listed as follows:

  1. 1. Symptomatic Epilepsy – Epilepsy is referred to as symptomatic when the cause behind it is known. The most common causes involve head injuries, strokes, tumours or infections such as meningitis. This type of Epilepsy generally attracts higher loadings and exclusions than other types.

 

  1. 2. Idiopathic Epilepsy – Idiopathic Epilepsy is a result of genetic tendencies within the patient. There is no observable cause of the illness. Typically those with Idiopathic Epilepsy will have a low seizure threshold. In this instance the main determinants for insurers will be how well you control and treat your epilepsy.

 

  1. 3. Cryptogenic Epilepsy – Cryptogenic Epilepsy refers to Epilepsy with no identifiable cause. There is no evidence of a metabolic problem as well as no evidence of structural issues with the brain.

 

  1. 4. Focal Epilepsy – Focal seizures result in complex partial motor seizures. These seizures can often manifest themselves in the form of a hallucination, lack of awareness and strange, repetitive behaviour. This form of epilepsy generally attracts greater loadings as it is considered far harder to control.

 

Statistics provided by Epilepsy Action Australia

 

If Epilepsy has hampered your ability to obtain life Insurance or income protection insurance, don’t worry any longer. With Special Risk Managers by your side, you can trust in receiving assistance to gain the best epilepsy life insurance policy possible to suit your needs.

Contact us by giving us a call or fill in the above form to receive the epilepsy life insurance advice you need.

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We can Help You. Call Us 1300 66 53 56

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