How does having Epilepsy affect getting insurance?

Like having high cholesterol, high blood pressure, or diabetes, epilepsy is a pre-existing condition that must be disclosed when you are applying for insurance.  Having one of these conditions can make it more difficult to purchase insurance coverage, or find a coverage plan that is affordable.

Fortunately, as medical science has improved, insurers are distinguishing the frequency of these conditions.  If the condition is well-managed, these conditions do not always mean higher risks for insurance companies.

An Introduction into Epilepsy

Epilepsy is a nervous system disorder that is generally characterised by recurring, excessive neural activity, or seizures.  Seizures are defined as disturbances in movement, consciousness and/or sensation, which are generally controlled by the cerebral organ.

Epilepsy is an umbrella diagnosis for a variety of different forms of the condition.  Treatment for all types of epilepsy are generally the same combinations of different types of medication can help to manage, or eliminate, the symptoms dependent upon which sub-type of the condition is present.

To reduce the severity and/or the number of seizures that occur, medication helps to improve overall health.  The two most common types of epilepsy include grand mal epilepsy, or petit mal epilepsy.

Grand mal is characterised by seizures that include a distinct epileptic cry, muscles spasms, and convulsions, as well as varying levels of lost consciousness.

Grand mal epilepsy can occur either on its own, or in combination with the other types.  Petit mal almost always begins to develop in childhood and continues into adulthood, by becoming part of a mix of different seizure patterns. Seizures of this type are usually less traumatic and include periods of hazy consciousness that last up to 30 seconds. During this time, patients may stare blankly off into space or blink rapidly.

Applying for Insurance with Epilepsy

Those with pre-existing illnesses such as epilepsy are handled more carefully than healthy individuals. Insurers will take a close look at your doctor's medical records and sometimes ask for a medical exam.

A variety of specific health-related questions will be asked beforehand, so an informed decision is made.  Before you apply, it is in your best interest to have a record on hand of your epileptic events, treatments and medications.  This will help you to accurately answer these questions honestly and accurately.

If you are able to establish that your condition is well managed, it makes the process so much easier.  Just as importantly, it's likely you will be rewarded with lower premiums.