0
Can insurers deny life insurance coverage due to ulcerative colitis?
Wiki User
∙ 13y ago
Life insurance companies can definitely deny coverage due to ulcerative colitis.
Ulcerative Colitis falls into the "impaired risk life insurance" category. It is critical that anyone with ulcerative colitis considering life insurance, work with an impaired risk life insurance expert.
Every life insurance company has its own set of underwriting guidelines. Some life insurance companies want nothing to do with you if you have ulcerative colitis, while there are a few companies available that understand ulcerative colitis and how to underwrite it and offer you life insurance.
What Do Underwriters Look For:
- Date and Age at time of diagnosis?
- How many flare-ups or episodes have you had in the past 6 months, 2 years, and 5 years?
- Have you been hospitalized for UC?
- Do you take medications for UC? If yes, what do you take and how much?
- If you have taken steroids, when did you last take steroids, dosage, and for how long?
- Have you had surgery for UC? Dates, details needed.
- Colonoscopy - Dates and results.
The right life insurance company will look at your UC and want to know if it is Mild, Moderate or Severe UC, and will make an underwriting determination based on your specific UC history.
Wiki User
∙ 13y ago
Add your answer:
Earn +20 pts
Is ulcerative colitis a pre-existing condition?
Any medical condition can be a pre-existing condition to an insurance company precluding coverage. However, it is possible to still get coverage and deny the pre-existing clause by providing a certificate of continuous coverage from another insurance company.
What percentage of people have ulcerative colitis?
10% of people who have an IBD have ulcerative colitis
What are some factors of a colitis diet?
There are several sites that have information about colitis and diets for colitis. Here are two websites that might be able to help you: http://colitis.emedtv.com/ulcerative-colitis/ulcerative-colitis-diet.html AND http://www.webmd.com/ibd-crohns-disease/ulcerative-colitis/creating-an-ulcerative-colitis-plan
Is there an ulcerative colitis diet that can help to reduce the symptoms of the disorder?
Ulcerative colitis can be a horrible disease to have, but there are things that you can eat to help the situation. www.webmd.com/ibd-crohns-disease/���ulcerative-colitis/���creating-an-ulcerative-colitis-plan
Does ulcerative colitis effect sperm quality?
Ulcerative colitis does not affect sperm quality.
Is Ulcerative Colitis a life time sickness?
Yes ulcerative colitis is a life time illness
What is the difference between colitis and ulcerative colitis?
Colitis is a general term referring to inflammation of the colon, which can be caused by various factors such as infection or autoimmune conditions. Ulcerative colitis is a specific type of colitis that is a chronic inflammatory bowel disease characterized by ulcers in the colon and rectum. Ulcerative colitis is a subset of colitis.
Does ulcerative colitis result in cancer?
Patients who suffer from an inflammatory disease of the colon known as ulcerative colitis are also at increased risk
Ulcerative colitis usually affects which part of the intestine?
Ulcerative colitis usually affects the large intestine.
Maintenance of remission of Ulcerative Colitis?
Long term medication with Mesalazine is needed for keeping ulcerative colitis in remission
Are there any diets for ulcerative colitis?
Yes, there are diets for ulcerative colitis! WebMD as well as MayoClinic.com will show you great diets for ulcerative colitis! These sites will guide you and provide you with a diet plan suitable for your condition.
Can a person with ulcerative colitis be more prone to contract hsv?
Ulcerative colitis will not affect catching HPV; it is very contagious and nearly all that are exposed to the virus catch HPV.
