Having trouble finding affordable life insurance with Hydrocephalus?
Don’t fret. We can help!
Indeed, we help individuals of all ages and all sorts of medical conditions at High Risk Life Insurance Agency.
Your Answers in 2 Minutes
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Hydrocephalus? And if so…
2. How much will it cost?
Yes, most individuals with Hydrocephalus will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you will need to speak with a knowledgeable, independent agent, who is licensed with several life insurance companies for your best chance at approval.
Best Case Scenario – if Hydrocephalus is an acquired case and is detected early and the symptoms of increased ICP such as nausea, vomiting and headache are controlled, plus serious complications such as severe infection or coma is prevented, most cases may have a “Mild Substandard” rating. Click here for quote at “Mild Substandard”.
Moderate Case – Those cases of Hydrocephalus with complications due to head injury or trauma, but have successfully recovered and whose symptoms of progressing mental and behavioral are mostly controlled may still qualify for a “Medium Substandard” health class. Click here for a quote at “Medium Substandard”.
Severe Case – All Hydrocephalus cases diagnosed during infancy and childhood are all considered severe and will automatically be declined.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Mild Substandard or Medium Substandard), please see the questions below:
At what age were you diagnosed with Hydrocephalus?
Hydrocephalus cases in infancy and childhood are automatically declined, and acquired cases that show good recovery may qualify for “Mild Substandard” or “Medium Substandard” rating.
Have you experienced any symptoms within the last six months?
Symptoms or flare signs such as headache, vomiting and mental or behavioral disorders such as irritability and mood swings may be signals of a worsening condition. If these symptoms are present, further evaluation may be needed before an appropriate rating may be given.
Do you have regular check-ups with your neurologist?
Regular visits to your doctor plus a most recent medical report will be useful to determine whether you will qualify for a “Mild Substandard” or “Medium Substandard” rating.
You might also be interested in reading this article “Life Insurance Approval with Cerebral Thrombosis”
Have you had any relevant diagnostic tests in the past 12 months?
A recent ultrasound, MRI or CT-scan is the best way to assess your actual condition. This may also confirm your compliance with your physician’s management.
Do you have a history of brain surgery and what is the outcome?
A brain surgery after 2 years with no progression or complication of the condition, may likely qualify for a “Mild Substandard” rating. Surgeries, however, that showed moderate complications such as infection, but has completely recovered may qualify for a “Medium Substandard”.
If you don’t seem to fit into one of the ratings above, I recommend requesting life insurance quotes from “standard” to “severe standard” so you understand the range of possibilities.
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page.
If we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of Hydrocephalus
Hydrocephalus is a medical condition commonly known to many as “water on the brain”. The disease is characterized by the accumulation of cerebrospinal fluid (CSF) that causes an abnormal swelling of the brain’s cavities or ventricles.
The CSF has 3 important functions that include keeping the brain cushioned, removing wastes from and delivering nutrients to the brain, and providing the appropriate blood flow to the and from the brain and spinal cord.
Once there is swelling it causes a potentially life-threatening increase in intracranial pressure (ICP) to the brain. If the ICP is increased, it results to the following symptoms: vomiting, headache, cross-eyed, sleepiness and nausea.
If the condition worsens it manifests head enlargement, motor dysfunction, mental and behavioral disability, loss of peripheral vision, learning difficulties and in rare serious cases coma then death.
Hydrocephalus can either be congenital or acquired; and has two types: obstructive and non-obstructive hydrocephalus. Congenital Hydrocephalus is usually diagnosed before the end of the third year of life in children. In children and adults, acquired Hydrocephalus may be caused by intracranial hemorrhage, infections such as meningitis, head injury or brain tumors.
The best treatment option for Hydrocephalus is surgical management by placing a cerebral shunt to aid in the outflow of excessive CSF.
See all our other articles on Head and Brain Disorders and Click Here!