Can people with epilepsy get life insurance?
Yes — most people with epilepsy can get life insurance, though premiums may be higher than standard rates. The key factors insurers consider are: the type of epilepsy, how well it is controlled, the frequency of seizures, and the medication you take.
How does epilepsy affect life insurance?
Insurers assess epilepsy on a spectrum:
- Well-controlled epilepsy — seizure-free for 2+ years on stable medication — may attract only a modest premium loading or no loading at all.
- Poorly controlled epilepsy — frequent seizures despite medication — will likely result in higher premiums or exclusions.
- Childhood epilepsy (now in remission) — often treated as standard, especially if you have been seizure-free for many years.
What will insurers ask?
Expect questions about: when you were diagnosed, the type of epilepsy, date of last seizure, current medication, any driving licence restrictions, and any associated conditions.
Can I get critical illness cover with epilepsy?
Yes — though some policies may exclude epilepsy-related claims. An independent broker can search across insurers to find the best terms for your specific condition.
Frequently Asked Questions
It can — but not always significantly. Well-controlled epilepsy with infrequent seizures often attracts only a small premium loading or standard rates.
Being seizure-free for 2 or more years is viewed very positively by insurers. Many people in this situation can get cover at near-standard rates.