If you've searched the net for private health insurance that covers psoriasis then you are most likely for looking for established UK based health insurance providers that can cover your psoriasis.
Our advice when looking for private medical cover that covers psoriasis is to speak to a health insurance broker. Health insurance is extremely complex and if you want complete certainty that psoriasis is covered you should consult 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 biggest by far is that you're using their expertise 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 brokering 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 claim? A broker will know this critical information.
- If you are a couple and one of you has claimed on your insurance policy this year would it be cheaper to separate you both onto two different policies?
- You've developed a certain medical condition and want to know which policy provider offers the largest amount of cover for it. A broker will know this instantly saving you so much time and effort.
You can call around every health insurance provider you can find and ask if they cover psoriasis, 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 much quicker to speak to one health insurance broker which will know which policy providers on the market cover psoriasis and under what conditions they do or don't cover it.
Psoriasis is a skin condition that causes red, flaky, crusty patches of skin covered with silvery scales.
These patches normally appear on your elbows, knees, scalp and lower back, but can appear anywhere on your body. Most people are only affected with small patches. In some cases, the patches can be itchy or sore.
Psoriasis affects around 2% of people in the UK. It can start at any age, but most often develops in adults under 35 years old. The condition affects men and women equally.
The severity of psoriasis varies greatly from person to person. For some people it's just a minor irritation, but for others it can have a major impact on their quality of life.
Psoriasis is a long-lasting (chronic) disease that usually involves periods when you have no symptoms or mild symptoms, followed by periods when symptoms are more severe.
Read more about the symptoms of psoriasis.
People with psoriasis have an increased production of skin cells.
Skin cells are normally made and replaced every 3 to 4 weeks, but in psoriasis this process only lasts about 3 to 7 days. The resulting build-up of skin cells is what creates the patches associated with psoriasis.
Although the process isn't fully understood, it's thought to be related to a problem with the immune system. The immune system is your body's defence against disease and infection, but for people with psoriasis, it attacks healthy skin cells by mistake.
Psoriasis can run in families, although the exact role that genetics plays in causing psoriasis is unclear.
Many people's psoriasis symptoms start or become worse because of a certain event, known as a "trigger". Possible triggers of psoriasis include an injury to your skin, throat infections and using certain medicines.
The condition isn't contagious, so it can't be spread from person to person.
Read more about the causes of psoriasis.
A GP can often diagnose psoriasis based on the appearance of your skin.
In rare cases, a small sample of skin, called a biopsy, will be sent to the laboratory for examination under a microscope. This determines the exact type of psoriasis and rules out other skin disorders, such as seborrhoeic dermatitis, lichen planus, lichen simplex and pityriasis rosea.