If you've searched Google for health insurance that covers anaphylaxis then you are most likely for looking for established UK based health insurance providers that can cover your anaphylaxis.
Our advice when looking for private medical insurance that covers anaphylaxis is to speak to a health insurance broker. Health insurance is very complicated and if you want complete certainty that anaphylaxis is covered you should talk with a broker who can explain which policy providers will cover this medical condition and which will exclude it.
There are many advantages to using a broker but the largest 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 reside in many different postcodes? Some will give you a lower policy premium than offers. A insurance broker will be able to advise whats best.
- Do you have a hobby that may invalidate your insurance policy? A broker will know this vital 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 lean't you're at risk of developing a certain condition and want to know which policy provider 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 anaphylaxis, 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 far far quicker to speak to one medical insurance broker which will know which providers on the market cover anaphylaxis and under what conditions they do or don't cover it.
Anaphylaxis is a severe, potentially life-threatening allergic reaction that can develop rapidly.
It is also known as anaphylactic shock.
Signs of anaphylaxis include:
Anaphylaxis should always be treated as a medical emergency. If available, an injection of a medicine called adrenaline should be given as soon as possible.
Some people with a previous history of anaphylaxis will have an auto-injector of adrenaline.
This should be injected into their outer thigh muscle and held in place for 5 to 10 seconds. Instructions for how to use these auto-injectors can be found on the side of each device.
You should call 999 for an ambulance whether adrenaline has been given or not.
If after 5 to 10 minutes the person still feels unwell, a second injection should be given. This should be given in the opposite thigh.
A second dose may also be needed if the person improves and then becomes unwell again.
The person should lie flat, with their legs raised on a chair or a low table. If they are having difficulty breathing, they should sit up to make breathing easier.
If the person is unconscious, you should move them to the recovery position – on their side, supported by one leg and one arm, with the head tilted back and the chin lifted. If the person's breathing or heart stops, cardiopulmonary resuscitation (CPR) should be performed.
Further treatment will be carried out in hospital.
Read more about treating anaphylaxis.
Anaphylaxis is the result of your body's immune system overreacting to a harmless substance, such as food. Substances that trigger allergic reactions are known as allergens.
Anaphylaxis usually develops within minutes of contact with an allergen, but sometimes the reaction can happen up to 4 hours later.