There are many medical conditions which an insurer is looking for, and when the issue is too severe, they need better treatment for it. Other than that some situations may cause death and it is the most significant issue to get the insurance for these conditions. Sleep Apnea is one of these medical conditions where the risk of breathing is included.
What is Sleep Apnea?
It is a severe sleep disorder where the person can stop breathing during the sleep. It also causes the interruptions in breathing resulting it to hundreds of times. Therefore the brain and the rest of the body are not getting enough oxygen during the sleep.
Types of Sleep Apnea:
There two major types of Sleep Apnea which are as follows:
• OSA (Obstructive Sleep Apnea):
It is the most common type of Apnea where the airway is blocked by the soft tissue covering the back of the throat while sleeping. It is more usual and treated quickly.
• Central Sleep Apnea:
It is the more intense type where the airway is not blocked, but the brain fails to send the signals to the muscles for breathing. It happens due to the instability present in the respiratory control center and causes the stopping of breathing during sleep.
Life insurance with Sleep Apnea:
When it comes to the life insurance, it is one of the most important decisions you have to make and buying one is quite critical too. You have to make your requirements, family demands as well as the dozens of other factors including your medical conditions
When it comes to the Sleep Apnea, many people suffer from it but don’t even know about it. Rather than disturbing your good night sleep, the Sleep Apnea has potential to lead more severe health risks that is why most of the doctors suggest wearing CPAP to the patients. Some people also have claustrophobic to the CPAP. Therefore, the dental device is recommended to them.
When it comes to the Sleep Apnea patient, they can apply and get the Life insurance, but usually, they have to pay more premiums if they are suffering from higher risk conditions. Some insurance companies also have quite aggressive policies for the patients with Sleep Apnea, but it is better to mention this medical condition and get it approve.
How to get the life insurance when you are suffering from Sleep Apnea?
First of all, you have to do little research and list down those insurance companies which are offering better policies and coverage with sleep apnea. The other step is you have to underwrite to the company that you have a controlled condition of Sleep Apnea, and you are all necessary measures for its treatment. In case you have a monitored state and no other medical issues than it is possible to get and enjoy the cheaper term life insurance.
How to get better and more affordable life insurance rates when you have Sleep Apnea?
Usually, most of the people have mild of Sleep Apnea which is not very harmful rather than disturbing the sleep. That is why many insurance companies provide you insurance for these diseases as well. But sometimes the agents don’t have any experience of this medical condition and insurer also have less knowledge that is why they end up paying more rates.
It is essential to know those insurance companies which provide coverage for sleep apnea. If you are suffering from this condition than don’t worry there are many insurance companies which offer you policies as well as coverage for this disease, but they want to check and determine your condition and its intensity. Usually, a questionnaire is provided by the agent or company to diagnose your issue which consists of few questions. Also, you will require a medical report which confirms it as well as what precautions you are taking which is a state in an underwriting.
How does l coverage with sleep apnea affect your life insurance?
When it comes to the companies, they take it very seriously especially when they are applying for the life insurance. That is why an extreme case might end up in rejection of coverage, otherwise, when the application is approved, you can end up paying more premiums when compared to the healthy person.
Also, many times the insurance companies accept the application but limit the amount of coverage they will provide to the patients with sleep apnea. It can also affect the death benefits; the companies can approve the application and pay lower death benefits than the amount a person was looking.
The severity of sleep apnea matters a lot:
When it comes to the sleep apnea, there are three stages of this condition which are: mild, moderate and sever. The level of disease you are suffering will directly affect the approval of your application as well as the amount of coverage you have to pay. That is why the when you are suffering from the mild to moderate level of sleep apnea and have no other health risk, you might end up paying the standard rates and some companies also provide you preferred plus rates as well.
But in case you are suffering from the sever case, the things can change. Also, the level of treatment you are undergoing will also affect the life insurance as even you have severed condition and you are taking right precautions and procedures your application can be approved too.
