What Insurers Look at While Assessing your Application
Epileptics face a unique line of questioning when it comes to an insurance application. Understanding what will be asked of you is the first step to increasing your chances of receiving an offer of insurance. We take considerable time to understand you and your circumstances as we understand than your story and your epilepsy is more than simply a test result. We paint a detailed picture for the insurer so that you and your case are viewed in the most favourable light.
These are some of the most important factors that will be considered by the insurance company:
- Type of Epilepsy – Each type of epilepsy is viewed differently by the insurer. Each type of insurer manifest in a unique way which means that they require distinct assessment criteria.
- Frequency of seizures – How often you have seizures is something insurers will always want to know. It is a used as an indication of the level of control with less seizures naturally being more favourable.
- Ability to drive – Whether or not you are allowed to drive helps insurers understand the restrictions that epilepsy has on your life, in particular your working life.
- Treatment – Insurers are comforted when they understand that your treatment and condition is stable. A long period of stability on the same medication can be favourable in securing cover.
- Other health issues – If you have suffered an injury from a seizure or otherwise your application may be impacted. The same applies to illnesses you have had in the past. This is no different to someone who has an application however it is important to remember.
