Do you suffer from Haemophilia and receive ongoing medical treatment for the condition? Not sure how to find cost effective Haemophilia Life Insurance protection? At Life Insurance Cover we can help you find the protection you are looking for. Life Insurance Cover compares all of the different Insurers to quickly and easily find cover that protects you and your loved ones.
What Is Haemophilia?
Haemophilia is a rare condition that affects the blood’s ability to create clots. This condition is inherited from family members. Predominantly most people who suffer with Haemophilia are male. A person who does not have this condition would heal when cutting themselves. This is due to substances in your blood known as clotting factors which mix with blood cells called platelets to make your blood sticky and form a clot. This will then make the bleeding stop eventually.
People with who suffer with Haemophilia do not have as many clotting factors as they should have in their blood. This means they bleed for longer than usual.
Symptoms Of Haemophilia
The symptoms of haemophilia can be mild to severe, depending on the level of clotting factors you have. One of the main symptoms of Haemophilia is bleeding that does not stop.
People with Haemophilia may have:
- Nosebleeds that take a long time to stop
- Bleeding from wounds that lasts a long time
- Bleeding gums
- Skin that bruises easily
- Pain and stiffness around joints, such as elbows, because of bleeding inside the body (internal bleeding)
How Haemophilia Affects The Blood
Blood cells called platelets are very important for blood clotting. These cells have a sticky surface that allows them to clump together to stop the flow of blood. Platelets also need clotting factors. These are proteins that form a “web” around the platelets, helping them to stay in place.
There are several different clotting factors in the blood. They’re numbered using Roman numerals. A child with haemophilia does not have enough of a certain clotting factor in their blood.
For example, a child with haemophilia A does not enough clotting factor VIII (8) in their blood. A child with haemophilia B does not have enough clotting factor IX (9) in their blood.
Preventative Treatment For Haemophilia
Most cases of Haemophilia are severe and need preventative treatment. This often involves regular injections of clotting factor medicine. If your child has been diagnosed with Haemophilia, you will be trained to give them the injections when they’re young.
If you are a young adult or older you will be taught how to inject yourself. This will help avoid regular hospital appointments. In some cases, injections may be given into a device called an implantable port, which can be surgically placed under the skin. This port is connected to a blood vessel near the heart, so you do not need to try to find a vein for every injection.
People who have receive preventative treatment will need regular follow-up appointments with their care team so their progress can be monitored. Preventative treatment is usually continued for life.
Different Types Of Haemophilia
There are different types of Haemophilia, detailed below are two of the most common types: Haemophilia A and Haemophilia B. They have similar symptoms but need different treatments because different clotting factors are affected:
Haemophilia A: Preventative treatment for haemophilia A involves regular injections of a medicine called octocog alfa (Advate). This medicine is an engineered version of clotting factor VIII (8), the clotting factor people with haemophilia A do not have enough of.
Haemophilia B: Preventative treatment for people with haemophilia B involves regular injections of a medicine called nonacog alfa (BeneFix). This is an engineered version of clotting factor IX (9), which people with haemophilia B do not have enough of.
Many people who have suffer with Haemophilia or other genetic medical conditions have been accepted for Life Insurance. Insurers will however accept applications based on how your condition affects you and if there are other conditions. By writing to your GP to confirm your treatment and whether there are any medical complications. Also the impact the condition has on their lifestyle and ability to work.
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Finding Haemophilia Life Insurance
As an FCA regulated broker, we search and compare all Life Insurance policies available in the UK including specialist protection providers, Life Insurance Cover can find the best policy types and protection for you. It can be difficult to find the right type of protection including Haemophilia Life Insurance cover for your needs, but we can help you.
Because Haemophilia can be life changing for some people which can link to other health conditions. Some Insurers may be wary about accepting all potential applications. All Insurers underwrite applications by writing to your GP to confirm treatment and medication. By completing the medical forms from customers looking for Haemophilia Life Insurance. This ensures they manage and assess their level of risk. If you have had complications or secondary medical problems. It can be challenging to know where to find an Insurer that can meet your needs depending on your medical history.
Costs for Insurance Premiums
Because Haemophilia can be a debilitating long term condition for those worse affected by the condition. Some Insurers may charge higher premiums than a person with no health conditions at all. This will however depend on the severity of your condition. Whether you are able to keep your symptoms under control with medications and/or diet or lifestyle. If you have had hospital admissions as a result of Haemophilia, your premiums may be higher and an Insurer may request some further details from your doctor to determine your premiums.
Prices from Insurers will vary depending on who you speak to, which is why Life Insurance Cover is one the best places to find Haemophilia Life Insurance.
At Life Insurance Cover our specialist team of advisors can help you find the best Life Insurer that suits your needs. Helping you to compare prices and find the best deal that is within your budget.
Who Offers Haemophilia Life Insurance?
Life Insurance Cover searches and compares polices from all of the UK’s leading Insurers for conditions like Haemophilia. By using an FCA regulated broker, like Life Insurance Cover to compare all of the possible policies available. Will enable you to search all of the UK Life Insurance providers in one simple search to find the best protection for you and your family. During the Life Insurance quote process, we will get quotes from more than provider and explain the benefits of each policy available to you. Helping you to protect today and provide for the future with a financial safety net. An FCA-regulated broker, like Life Insurance Cover can help you to find:
- The best price for Haemophilia Life Insurance
- Protection for you and your family
- A specialist Insurer that understands you and your symptoms
Different Protection For Haemophilia
Critical illness Insurance offers protection for many conditions including cancer. If you have received a diagnosis and treatment for Haemophilia. Acceptance of your Critical Illness Cover application will depend on multiple factors. This will include your overall health, whether your condition is under control. An Insurer may want a medical report to review your current treatment. If you have experienced medication complications, you may face higher premiums or may even need to take out a policy with a specialist Insurer.
Life Insurance Cover is an FCA regulated broker and able to search all of the UK Life Insurance providers. By comparing all of the many different policies available will help you find the right cover and take the hassle out of the application process. Simply complete the enquiry form to get a quote. It’s quick, simple and completely free.
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Do you have an ongoing medical condition and require Life Insurance protection? At Life Insurance Cover we take the time to find you the best policy and save you money. We make the purchasing of Life Insurance as quick and simple as possible. Protect today to provide for the future and create a financial safety net for you and your family.