So I've just been turned down for life insurance (getting mortgage with someone so want to cover myself).
They initially said yes but then changed their mind after the GP report. I saw the GP report and it seemed accurate - said I had about 9 attacks requiring hospital trips in the last 12 months and around half resulted in admission. On Ventolin/Fostair Nexthaler/Spiriva/Phyllocontin but not continuous pred. Was on montelukast but cons thinks it's useless and took me off. I've had about 23 full admissions in total over 4-5 years. No HDU or ITU.
I have to pay more for travel insurance but have found one which works for me witbout paying a fortune (yay). Has anyone here found someone who will cover them for life insurance for this sort of level of asthma, or worse, without paying more than the mortgage?!
I'm at a tertiary centre but not eligible for any funky new drugs as I have the wrong sort of asthma, so I'm not likely to manage without admissions long enough to make much difference to the insurance.
Lots of.googling results in 'mostly asthma is covered but you may have to pay more if it's severe.'