Can You Get Life Insurance with Asthma?
Yes. Asthma is one of the most common conditions in the UK, affecting over 5.4 million people. The vast majority of asthma sufferers can get life insurance at standard or near-standard rates.
Mild to moderate asthma controlled with inhalers is viewed very favourably by insurers. Only severe asthma requiring frequent hospitalisation or oral steroid use may result in significantly higher premiums.
How Insurers Assess Asthma
| Severity | Typical Terms |
|---|---|
| Mild (reliever inhaler only) | Standard rates |
| Moderate (preventer + reliever) | Standard to small loading |
| Severe (oral steroids, nebulisers) | Loaded premiums |
| Hospitalised in last 12 months | Higher loading or deferral |
Good news: If your asthma is well-controlled with a standard preventer inhaler and you have not been hospitalised, most insurers will offer you standard rates with no premium increase.
Frequently Asked Questions
Mild to moderate: usually standard rates. Severe with hospitalisations: may increase premiums.
Yes, always declare it. Mild asthma usually does not affect premiums. Non-disclosure risks claim rejection.