It was not all that long ago that few people outside the medical profession had heard of sleep apnea. It was a condition that was not well understood until further research indicated just how dangerous it is to the life of the person afflicted with this condition.
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When it comes to sleep apnea life insurance rates, they can be considerably higher than those who have no health issues. Understanding why starts with knowing what sleep apnea is and what it does to the body.
The Cause of Sleep Apnea:
Basically, sleep apnea is a condition that causes the levels of oxygen to drop in the body during unconsciousness. Either by an obstruction to the upper airway or because the brain itself has difficulty in maintaining breathing during this time, sleep apnea is distinguished by heavy snoring or by extreme levels of drowsiness during the daytime hours.
People with sleep apnea have a much higher risk of cancer, cardiovascular disease, damage to the lungs and hypertension. Furthermore, the drowsiness during the day leads to higher incidents of automobile accidents. Because of these dangers to the health, life insurance with sleep apnea is going to be more expensive.
Sleep Apnea and Life Insurance:
For the most part, life insurance companies will charge higher rates for those diagnosed with sleep apnea. The rates will vary depending on other health conditions to the body, but in general a person is looking to pay anywhere from 30%, 60% or even 100% more in terms of premium payments.
The dangers of sleep apnea are such that many insurance companies feel justified in charging such rates and in certain circumstances even limiting the coverage that they offer. This is because sleep apnea is often accompanied by obesity which itself is a health risk. The more risks that are present, the more expensive sleep apnea life insurance will be.
Can I Get Life Insurance if I have Sleep Apnea?
The answer is yes, but it will depend on a number of factors;
- The Severity of the Sleep Apnea
- Taking Treatment Options
- Other Health Factors
A person with severe sleep apnea that is not seeking corrective treatment and is obese or has other health risk factors may be denied getting a life insurance policy. This is because people in such condition have been known to die very quickly when faced with a combination of these risk factors. While each insurance company will have its own set of risk factors for qualifying for such policies, there is the chance that a person so afflicted will be denied.
However, if you only have mild to moderate sleep apnea with no other health risks, you may not be charged more than the standard rate for a healthy person. Getting treatment for your sleep apnea is certainly recommended, but in mild to moderate cases the risks to the overall health are not nearly as strong as with severe sleep apnea.
If you are denied coverage, you should seek out treatment such as the use of Continuous Positive Airway Pressure (CPAP) which is a device that keeps the airways open and will reduce the risks associated with this condition.
Getting life insurance sleep apnea conditions is certainly possible, but you will need to know your condition level and get the proper treatment to ensure coverage.