If you've searched online for health insurance that covers cystic fibrosis then you are most likely for looking for trusted UK based health insurance providers that will cover your cystic fibrosis.
Our advice when shopping around for health insurance that covers cystic fibrosis is to speak to a health insurance broker. Health insurance is extremely complex and if you want absolute certainty that cystic fibrosis is covered by your policy you should consult with a health insurance broker who can explain which providers will cover this medical condition and which will not.
There are many advantages to using a insurance broker but the biggest by far is that you're using their expertise at no cost. They are paid by the insurer (Aviva or Bupa etc) rather than by you so it costs you no extra to use their services.
- Do you live in many different postcodes? Some will give you a lower premium than offers. A broker will be able to advise whats best.
- Do you have a hobby that may invalidate your insurance policy? A broker will know this critical information.
- If you are a couple and one of you has claimed on your policy this year would it be cheaper to separate you both onto two different insurance policies?
- You've developed a certain medical condition and want to know which insurer offers the biggest amount of cover for it. A broker will know this instantly saving you huge amounts of time and effort.
You can call around every medical insurance provider on the market and ask if they cover cystic fibrosis, however this will be a very time consuming process. Each insurer will ask for your medical history because its not normally a simple yes or not if a medical condition is covered or not.
Its much quicker to speak to one medical insurance broker which will know which policy providers on the market cover cystic fibrosis and under what terms they do or don't cover it.
Cystic Fibrosis Information
Cystic fibrosis is an inherited condition in which the lungs and digestive system can become clogged with thick, sticky mucus.
It can cause problems with breathing and digestion from a young age. Over many years, the lungs become increasingly damaged and may eventually stop working properly.
Most cases of cystic fibrosis in the UK are now identified through screening tests carried out soon after birth. It's estimated that 1 in every 2,500 babies born in the UK has cystic fibrosis.
A number of treatments are available to help reduce the problems caused by the condition, but unfortunately average life expectancy is reduced for people who have it.
Symptoms of cystic fibrosis tend to start in early childhood, although they can sometimes develop very soon after birth, or may not be obvious until adulthood.
Some of the main symptoms of cystic fibrosis can include:
People with the condition can also develop a number of related conditions, including diabetes, thin, weakened bones (osteoporosis) and liver problems.
Read more about the symptoms of cystic fibrosis
Cystic fibrosis is caused by a faulty gene that a child inherits from both of their parents.
The faulty gene means that some cells struggle to move salt and water across the cell wall. This, along with recurrent infections, can result in a build-up of thick, sticky mucus in the body's tubes and passageways.
To be born with cystic fibrosis, a child has to inherit two copies of this faulty gene – one from each of their parents. Their parents will not usually have the condition themselves, because they will only carry one faulty gene and one that works normally.
If both parents carry the faulty gene, there's a 25% chance that each child they have will be born with cystic fibrosis.
Read more about the causes of cystic fibrosis
Most cases of cystic fibrosis are now detected soon after birth through the newborn blood spot test.
This involves collecting a drop of blood from the baby's heel and testing it for abnormalities that could indicate cystic fibrosis.