Life Insurance: Broken Bones And Your Coverage

Life insurance does not typically cover broken bones, as it is a different type of insurance product. Broken bones are usually covered by personal accident insurance or personal accident and sickness insurance. These types of insurance provide financial support in the event of an accident or injury, including broken bones, and can help cover costs such as medical expenses and loss of income. It's important to note that there may be exclusions or conditions under which broken bones may not be covered, such as if the bone was broken due to a pre-existing condition or while participating in certain sports. Additionally, travel insurance may not cover broken bones that occurred before the trip if they resulted in hospital treatment.

Medical travel insurance

If you have a broken bone, it is important to get medical travel insurance to ensure you are covered in the event of any complications during your trip. Most standard travel insurance policies do not cover pre-existing medical conditions, including broken bones, even if they have been treated and are in a cast or sling. Therefore, it is crucial to disclose any existing breaks or fractures when applying for travel insurance to ensure you are adequately covered.

Specialist providers can offer medical travel insurance that covers broken bones and provides benefits such as emergency medical assistance, ambulance and hospital admission costs, and repatriation to your home country. This type of insurance can also cover cancellations if you are deemed unfit to travel due to your injury. When choosing a policy, it is important to be specific about your condition to ensure you get the right cover. For example, a broken back or neck may require more severe coverage than a broken arm or leg.

Additionally, it is important to declare any broken bone injuries that have occurred in the last two years to successfully submit a claim. If you have a head or spinal injury, or are waiting to receive treatment, you may require additional medical cover. It is also worth noting that claims may not be processed if you are travelling against the advice of your doctor.

When booking medical travel insurance for broken bones, you will typically be asked to provide personal details, information about your holiday plans, and details of your medical condition, including any related conditions and treatments. This information will allow the insurance provider to assess your current health situation and offer quotes for policies that provide the correct cover for your needs.

By purchasing medical travel insurance for broken bones, you can travel with peace of mind, knowing that you are covered for any medical emergencies or complications that may arise during your trip.

Pre-existing conditions

Some common examples of pre-existing conditions include high blood pressure, diabetes, cancer, and asthma. Previous injuries may also be considered pre-existing conditions, depending on their severity and any lasting effects. It's important to note that smoking and chewing tobacco, while not considered pre-existing conditions, can also make it more challenging to get approved for life insurance and may increase your premiums.

If you have a pre-existing condition, you may have to pay higher premiums for your life insurance policy. This is because personal health history is a critical factor that insurers use to calculate rates. Insurers must consider the additional risk associated with pre-existing conditions when determining policy decisions. The type of condition you have, your current health status, your age, and your lifestyle choices can all influence your approval chances and the cost of your premiums.

To increase your chances of getting life insurance with a pre-existing condition, it's recommended to stick to your treatment plan, maintain a healthy lifestyle, and shop around for different insurers. By demonstrating that you are managing your condition effectively and staying healthy, you can improve your chances of approval and potentially qualify for more favourable premiums.

Osteoporosis

To prevent osteoporosis, doctors recommend regular exercise, a healthy diet rich in calcium and vitamin D, and lifestyle changes such as reducing alcohol consumption and quitting smoking.

Permanent injuries

Accidental Permanent Injury Insurance is designed to provide financial support if you suffer a serious and life-changing injury. This type of insurance typically covers a wide range of injuries, including loss of limbs, loss of use of arms or legs, and permanent loss of sight or hearing. The payout can help you adjust to your new circumstances and cover any additional costs or losses of income that may arise.

Personal Accident Insurance is another option that can provide cover for accidental permanent injuries. This type of insurance can offer protection for a range of activity-based injuries, such as ligament tears, tendon ruptures, and dislocations. It can also provide cover for broken bones, with some policies offering up to £3,750 for each broken bone.

It's important to note that the coverage and exclusions can vary between insurance providers and policies. For example, some policies may not cover injuries caused by illness, disease, self-inflicted injuries, drug or alcohol abuse, or professional sports. Additionally, pre-existing health conditions and lifestyle choices may affect the premium or eligibility for certain types of insurance.

When considering insurance for permanent injuries, it's essential to carefully review the policy documents, understand the coverage and exclusions, and choose a level of cover that meets your specific needs. It may be beneficial to seek advice from an insurance expert or compare different policies to find the most suitable option for your circumstances.

Personal accident insurance

• Broken bones caused by an accident
• Accidental permanent injuries, including paralysis, loss of a hand or foot, or loss of a major organ
• Accidental total permanent disablement
• Hospital stays in the UK as a result of an accident, and from 12 months, hospital stays due to sickness

The cost of personal accident insurance depends on the level of cover chosen and whether you choose to insure your partner. Cover can start from as little as £2.08 a month.

Frequently asked questions