IBS Life Insurance Compare Quotes & Get Covered

IBS life insurance

IBS is thought to affect one in five people at some point in their lives, typically developing between the ages of 20 and 30.

Can I qualify for Life Insurance if I have Irritable Bowel Syndrome?

Yes, most people with Irritable Bowel Syndrome can obtain life insurance, although each case will be evaluated individually.

It’s usually possible to obtain IBS life insurance, but it depends on the severity of the individual case and any other health conditions you may have.

Life Insurance for People with IBS Starts from Only £6 per Month. Compare Plans Today

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Chimat has helped many people with IBS find Life Insurance.

If you suffer from Irritable Bowel Syndrome, but it’s under control and you’ve had no severe flare-ups recently, then you should be able to get insurance with no increase in the premium.

If your IBS is more serious, insurers will look at your medical history and may decide to increase the cost of cover if you’re a higher-risk case.

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If you use an expert company like Chimat, we can help you achieve the best results for your specific needs and circumstances.

Life cover for people with IBS shouldn’t be a concern if you speak to the right people.

IBS and Life Cover – your questions answered

Generally, insurers will want to know:

  • The severity of your condition
  • How long have you been diagnosed with IBS
  • Whether you’re aware of the factors that trigger the condition
  • If you are following a special nutritional diet (managing your symptoms)
  • Whether you are taking medication for your IBS
  • If you have experienced severe symptoms in the last 6 months and had to visit your doctor
pre-existing conditions life coverage from Chimat

Can your IBS be classified as a pre-existing condition?

Yes. If you’ve been diagnosed with IBS before applying for life insurance, it will usually be treated as a pre-existing medical condition.

You’ll need to mention your IBS on the application form so the insurer can properly assess your cover.

However, if you’re diagnosed after your policy has started, it won’t count as pre-existing, and you don’t need to notify your insurer.

For more guidance, see our full article on life insurance and pre-existing health conditions.

What about Critical Illness Insurance for people with IBS?

Getting expert guidance is often helpful when searching for Critical Illness Insurance, especially if you have other health conditions and severe IBS.

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Cover is often available to people with IBS. Still, Chimat can search for Critical Illness Insurance that offers good value and competitive terms, as premium rates can vary considerably between insurers.

Positive steps to improve your chances of securing coverage

Get your medical information updated

If your IBS is now under reasonable control (for instance, stable for 12 months or more with GP or specialist confirmation), that can make a significant difference. You can ask your GP for a summary letter.

Apply through a broker or adviser who handles “impaired risk” cases

Some insurers are far more flexible than others. A specialist broker can:

  • Approach multiple insurers without triggering extra declines
  • Use “pre-underwriting” — an informal quote before you formally apply
  • Help phrase your medical history clearly (which matters more than people think)

Consider guaranteed acceptance or over 50 life insurance

These policies don’t ask detailed health questions or exclude fewer conditions, but:

  • Premiums are usually higher
  • Payouts might be limited in the first 1–2 years

Wait and reapply

If your symptoms have improved or you’ve been symptom-free for a while, you can reapply after 12–24 months. Insurers often view stability over time very positively.

Comparing life insurance quotes for IBS.

If your IBS is well-managed, you may still qualify for life insurance on standard terms, with premiums from around £6 a month through Chimat.

As a specialist broker, we compare leading UK insurers to find cover that suits you. Our quotes are free, fast, and with no obligation — helping you save time and money.

  • We do everything possible to help save you time and hassle, including handling paperwork and dealing with insurance companies on your behalf.
  • We have over 20 years of experience in finance and insurance, and provide a bespoke, personal service.
  • We’ve developed specialist processes to help each customer achieve the most suitable result, and we always act in your best interests.
  • We can help you search a range of insurers to find the best Life Insurance policy as an IBS sufferer.

Support networks for those with IBS