Health Insurance That Covers Chronic Fatigue Syndrome

A Buyers Guide To Health Insurance For Chronic Fatigue Syndrome

Posted by Greg Jones on January 24, 2020

If you've searched the internet for private health insurance that covers chronic fatigue syndrome then you are probably for looking for established UK based health insurance providers that will cover your chronic fatigue syndrome.

Our advice when looking for private medical cover that covers chronic fatigue syndrome is to speak to a insurance broker. Health insurance is incredibly complex and if you want absolute certainty that chronic fatigue syndrome is covered you should talk with a medical insurance 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 broker will be able to advise whats best.
  • Do you have a hobby that may invalidate your insurance claim? 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 insurer offers the largest amount of cover for it. A broker will know this instantly saving you huge amounts of time and effort.

You can call around every health insurance provider on the market and ask if they cover chronic fatigue syndrome, 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 health insurance broker which will know which policy providers on the market cover chronic fatigue syndrome and under what terms they do or don't cover it.

Chronic Fatigue Syndrome Information

Myalgic encephalomyelitis (ME) or chronic fatigue syndrome (CFS) is a long term condition that causes persistent fatigue (exhaustion) that doesn't go away with sleep or rest and affects everyday life. It most commonly affects the nervous and immune systems. Sometimes it is diagnosed as post viral fatigue syndrome (PVFS).

People with ME-CFS experience severe fatigue associated with post-exertional malaise (PEM). This is when the body is not able to recover after using even small amounts of energy, leading to a flare up in symptoms. This fatigue feels very different to ordinary tiredness and may take a day or two to kick in after physical, mental or emotional exertion.

It’s estimated that about 20,000 people in Scotland have ME-CFS, while 250,000 in the UK, and around 17 million people worldwide are affected. It affects more women than men, can affect children and adults of all ages and from all social and ethnic groups.

Not everyone will experience the same symptoms so it’s important not to compare people with ME-CFS. People with chronic fatigue syndrome can have very different experiences of the condition and how long their symptoms last. The impact of symptoms can be mild, moderate or severe. As symptoms change over time so does the impact they have on people’s lives.

Most people with ME-CFS improve over time, although some people don't make a full recovery. It's also likely there will be periods when symptoms get better or worse. Children and young people with ME-CFS are more likely to recover fully.

There is no single test to detect chronic fatigue syndrome, a diagnosis is made after other possible known causes for symptoms have been excluded. The earlier the illness is recognised, the sooner you can get help to manage your symptoms. Many people with ME-CFS find it helps to keep a diary of their symptoms so that they can take this to their GP or specialist.

Your GP will usually:

They may be able to make a diagnosis after 3 or 4 months of seeing a pattern of symptoms. Anyone suspected of having chronic fatigue syndrome should be considered for a number of routine blood tests to identify other possible illnesses. More specialised investigation may be needed if the diagnosis remains in doubt.

Some people with chronic fatigue syndrome also have another long term condition and it is important that you talk to your GP about how to manage the symptoms of the 2 conditions.

Treatment will focus on managing and reducing symptoms related to ME-CFS. This means that treatment plans need to be tailored to the individual as people experience different symptoms and these symptoms may change over time. Your GP may be able to refer you to a specialist chronic fatigue syndrome service or to services that can support you to manage individual symptoms and manage restricted activity.

The symptoms of chronic fatigue syndrome (ME-CFS) vary from person to person, and there may be times when your symptoms improve and you'll be able to do some normal everyday activities. At other times, symptoms may get worse, affecting your daily life.

If you experience new symptoms talk to your GP or specialist as the new symptoms may be unrelated to ME-CFS. Women often find that symptoms worsen at different times in their menstrual cycle. Not everyone will experience all of the symptoms but some of the common ones are listed below.

Severe and persistent fatigue or exhaustion most, or all of the time is one of the symptoms of ME-CFS that can help diagnosis. This feels very different from ordinary tiredness. Simple physical or mental activities, or combinations of activities, can leave people with chronic fatigue feeling completely exhausted and can also lead to an increase in other symptoms. This is known as post-exertional malaise (PEM) or is sometimes called "payback". This is when the body isn't able to recover after using even small amounts of energy.

Other symptoms of chronic fatigue syndrome include:

For a fuller list of symptoms of chronic fatigue syndrome visit the Action for M.E. website.