top of page

Can you get Life Insurance if you have Gout?

Updated: Apr 5, 2023

Gout is a complex form of inflammatory arthritis characterised by a build-up of uric acid in the bloodstream that causes pain and swelling in your joints. 

Having gout is not a life-threatening condition and you can be accepted for most types of life insurance policies.

Some key factors that underwriters will want to know Include....

* What age were you when you first experienced symptoms?

* What joints of your body is affected?

* How many episodes of gout do you have per year?

* What treatment or medication do you take?

* Have you experienced any other complications due to your condition?

For many people, where gout is confined to just a single joint, it should have no impact on the life insurance application and the policy will be accepted at standard rates.

If the gout is present in multiple joints or the flare ups are very frequent, the insurer may wish to liaise with your doctor to establish a clearer picture of your overall health. In these circumstances, your policy may be subject to a small premium loading.

Can I get Critical Illness Cover with Gout?

Critical Illness Cover for Gout is readily available with most insurance providers.

The insurer will be most interested in the severity and frequency of any flare ups of gout, and any other significant medical conditions you might have.

Where gout is present in just one joint, it is likely that the Critical Illness application will be accepted at standard rates.

If the gout is present in multiple joints and the flare ups are frequent, there will likely be an additional premium loading.

What about Income Protection with Gout?

Income Protection Cover for people that have been diagnosed or previously suffered from Gout is available from most insurance providers... especially if your condition is mild with infrequent symptoms.

When assessing your application, underwriters will want to know when you last had any recent flare ups and any other health complications due to your condition.

Mortgage Protection Insurance is also available and can be discussed in relation to all of the above and can be discussed with our mortgage protection broker team.

Contact us to discuss your options.

Citywide Financial Solutions

087 122 8065

149 views0 comments

Recent Posts

See All


bottom of page