If you've searched the web for health insurance that covers asthma then you are probably for looking for trusted UK based health insurance providers that will cover asthma.
Our advice when looking for private medical insurance that covers asthma is to speak to a insurance broker. Health insurance is incredibly complex and if you want complete certainty that asthma is covered you should consult with a 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 insurance training 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 brokering services.
- Do you live in many different postcodes? Some will give you a cheaper premium than offers. A insurance broker will be able to advise whats best.
- Do you have a hobby that may invalidate your insurance claim? 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 policies?
- You've lean't you're at risk of developing a certain medical condition and want to know which policy provider 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 asthma, 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 asthma and under what terms they do or don't cover it.
Asthma is a common long-term condition that can cause coughing, wheezing, chest tightness and breathlessness.
The severity of these symptoms varies from person to person. Asthma can be controlled well in most people most of the time, although some people may have more persistent problems.
Occasionally, asthma symptoms can get gradually or suddenly worse. This is known as an 'asthma attack', although doctors sometimes use the term 'exacerbation'.
Severe attacks may require hospital treatment and can be life threatening, although this is unusual.
Read more about the symptoms of asthma and diagnosing asthma
Asthma is caused by inflammation of the small tubes, called bronchi, which carry air in and out of the lungs. If you have asthma, the bronchi will be inflamed and more sensitive than normal.
When you come into contact with something that irritates your lungs – known as a trigger – your airways become narrow, the muscles around them tighten, and there is an increase in the production of sticky mucus (phlegm).
Common asthma triggers include:
Asthma may also be triggered by substances (allergens or chemicals) inhaled while at work. Speak to your GP if you think your symptoms are worse at work and get better on holiday.
The reason why some people develop asthma is not fully understood, although it is known that you are more likely to develop it if you have a family history of the condition.
Asthma can develop at any age, including in young children and elderly people.
Read more about the causes of asthma
In the UK, around 5.4 million people are currently receiving treatment for asthma.
That's the equivalent of 1 in every 12 adults and 1 in every 11 children. Asthma in adults is more common in women than men.
While there is no cure for asthma, there are a number of treatments that can help control the condition.