Irritable Bowel Syndrome and life insurance

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Irritable Bowel Syndrome and life insurance

Irritable bowel syndrome, or IBS, is a disorder usually manifested in pain in the abdomen, bloating, constipation, loose bowels, or cramping. IBS is both painful and distressing, but it cannot harm the intestines or lead to major diseases.

How serious can IBS become?

IBS can become serious, with victims unable to continue in employment, travel or attend social events. At its worst, IBS is disabling.

How common is IBS?

Irritable bowel sysndrome is common, with many people reporting one or more symptoms of the disorder. It is more often found amongst women, and generally develops before the age of 35.

What are the symptoms of IBS?

IBS symptoms include pain in the abdomen, discomfort and bloating. However, individual symptoms differ between different people. Or instance, straining and cramping can be common but not amongst all patients. Some with IBS alternate between constipation and diaorrhea.

What is the cause of IBS?

IBS is another syndrome with a mysterious cause. Some scientists believe IBS occurs amongst people with a sensitive colon that reacts to food and stress. IBS can be caused by infection and mild celiac disease. Large meals, medicine, certain food or drink, and stress have all been linked to IBS.

How is IBS treated?

IBS unfortunately often goes untreated, with up to 70 per cent of people with IBS receiving no treatment for their symptoms. There are many ways to treat the symptoms of IBS, including fibre supplements, laxatives, antispasmodics, antidepressants and muscle relaxants. Stress can affect IBS, and eliminating the causes of stress can be one way of treating the syndrome.

How does having IBS affect life insurance?

Some life insurance companies apply ratings to people with irritable bowel syndrome, leading to inflated premiums and more expensive policies. Seeking the advice of a specialist insurance company ensures fair treatment.

Click here for a free, no-obligation specialist life insurance with IBS insurance quote form