Can I get income protection with COPD?
Income protection with COPD (chronic obstructive pulmonary disease) depends on the severity of the condition and lung function measurements. Mild COPD (GOLD Stage 1) may qualify for cover with a respiratory exclusion at competitive rates. Moderate to severe COPD typically results in a respiratory exclusion and potentially a loaded premium. Very severe COPD may result in postponement. The remaining cover — for all non-respiratory causes of inability to work — is still valuable.
How do insurers assess COPD for income protection?
Insurers review your full medical history — diagnosis date, current treatment, stability of the condition, and any time off work it has caused. The more stable your condition, the better the terms available.
What terms might be offered?
- Standard terms — if the condition is well-controlled with no recent work absences
- Exclusion — the condition excluded, all other causes of inability to work still covered
- Rated premium — higher premium reflecting additional risk
Is IP still worth it with an exclusion?
Usually yes — an exclusion only applies to the excluded condition. You're still fully protected against accidents, cancer, heart attack, and hundreds of other causes of inability to work.
Frequently Asked Questions
It depends on the insurer and severity. Some exclude copd-related claims; others offer standard terms if it's well-controlled. Always compare multiple insurers.
Yes — an exclusion only applies to the excluded condition. All other causes of inability to work remain fully covered.