Can I get income protection with Crohn's Disease?
Income protection with Crohn's disease is available, though terms depend on severity and treatment history. Mild Crohn's in sustained remission may qualify for cover with an exclusion for Crohn's-related absences. More severe cases — particularly those requiring surgery or biological therapy — are more likely to attract a broader gastrointestinal exclusion or a loaded premium. Remission duration and medication are key underwriting factors.
How do insurers assess Crohn's Disease for income protection?
Insurers look at your full medical history — when you were diagnosed, how well controlled your condition is, your treatment history, and whether you've had any time off work as a result. The more stable and well-managed your condition, the better the terms available.
What terms might I be offered?
- Standard terms — if your condition is well-controlled with no recent flare-ups or time off work
- Exclusion — your crohn's disease and directly related conditions are excluded, but all other causes of inability to work are covered
- Rated premium — higher premium to reflect the additional risk
- Postponement — some insurers may postpone a decision if you are currently unwell or recently treated
Should I disclose my Crohn's Disease?
Always yes. Non-disclosure is the leading cause of income protection claims being rejected. If you fail to disclose a condition and then make a claim related to it, the insurer can void the policy entirely — leaving you with nothing.
What if I'm currently off work due to my condition?
If you are currently unable to work due to your condition, it is unlikely you will be able to take out income protection for that condition right now. However, you may still be able to get cover with an exclusion for that condition — protecting you against other causes of inability to work.
How much income protection do I need?
Most policies replace 50–70% of gross income. Aim for enough to cover your essential outgoings — mortgage or rent, bills, and food — without your other income sources.
Frequently Asked Questions
It depends on the insurer and the severity of your condition. Some insurers exclude crohn's disease-related claims entirely; others offer standard terms if the condition is well-controlled. Always compare multiple insurers.
Yes — an exclusion only applies to claims directly related to the excluded condition. If you're unable to work due to an unrelated illness or injury, your policy will pay out in the normal way.
Usually yes. Even with an exclusion for your condition, income protection still covers you for accidents, cancer, heart attack, stroke, and hundreds of other causes of inability to work. That's a significant safety net.