If you've searched Google for health insurance that covers arthritis then you are probably for looking for trusted UK based health insurance companies that can cover arthritis.
Our advice when shopping around for private medical insurance that covers arthritis is to speak to a health insurance broker. Health insurance is extremely complicated and if you want complete certainty that arthritis is covered by your policy you should talk 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 broker but the biggest by far is that you're using their insurance training at no cost. They are paid by the insurer (Aviva or Bupa etc) rather than you so it costs you no extra to use their services.
- Do you reside in many different areas? Some will give you a lower policy 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 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 policies?
- You've developed a certain condition and want to know which insurer offers the biggest amount of cover for it. A broker will know this instantly saving you so much time and effort.
You can call around every medical insurance provider on the market and ask if they cover arthritis, 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 policy providers on the market cover arthritis and under what terms they do or don't cover it.
Arthritis is a common condition that causes pain and inflammation in a joint.
In the UK, around 10 million people have arthritis. It affects people of all ages, including children (see below).
The two most common types of arthritis are:
Osteoarthritis is the most common type of arthritis in the UK, affecting around 8 million people.
It most often develops in adults who are in their late 40s or older. It's also more common in women and people with a family history of the condition. However, it can occur at any age as a result of an injury or be associated with other joint-related conditions, such as gout or rheumatoid arthritis.
Osteoarthritis initially affects the smooth cartilage lining of the joint. This makes movement more difficult than usual, leading to pain and stiffness.
Once the cartilage lining starts to roughen and thin out, the tendons and ligaments have to work harder. This can cause swelling and the formation of bony spurs, called osteophytes.
Severe loss of cartilage can lead to bone rubbing on bone, altering the shape of the joint and forcing the bones out of their normal position.
The most commonly affected joints are those in the:
In the UK, rheumatoid arthritis affects more than 400,000 people. It often starts when a person is between 40 and 50 years old. Women are three times more likely to be affected than men.
Rheumatoid and osteoarthritis are two different conditions. Rheumatoid arthritis occurs when the body's immune system targets affected joints, which leads to pain and swelling.
The outer covering (synovium) of the joint is the first place affected. This can then spread across the joint, leading to further swelling and a change in the joint's shape. This may cause the bone and cartilage to break down.
People with rheumatoid arthritis can also develop problems with other tissues and organs in their body.
The symptoms of arthritis you experience will vary depending on the type you have.
This is why it's important to have an accurate diagnosis if you have: