Medical conditions

  • Diabetes mellitus
  • Heart and vascular disease
  • Obesity
  • Cancer
  • Kidney diseases
  • Lung diseases
  • Nervous system disorders
  • HIV en andere infecties
  • Gastrointestinal and liver diseases
  • Rheumatic conditions, autoimmune diseases
  • Mental disorders
  • Addictions
  • Rare diseases
Diabetes mellitus

Diabetes mellitus is a chronic condition that can be treated well. People with diabetes can almost always take out life insurance through De Hoop.

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Heart and vascular disease

Cardiovascular disease is one of the most common causes of premature death. De Hoop can give appropriate advice for every condition, making it almost always possible to take out life insurance.

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Obesity is increasingly common and can lead to many health problems. Reinsurance is possible and is determined by the overall risk profile of someone who is obese.

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Cancer is one of the most common medical conditions. We have extensive knowledge of various types of cancer. People who have had cancer are very likely to be able to take out life insurance through De Hoop.

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Kidney diseases

Reinsurance via De Hoop makes it possible for almost anyone with kidney disease to take out life insurance, even people on dialysis.

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Lung diseases

For many lung diseases, it is possible to take out life insurance, in which the severity of the condition determines the probability of death within the set insurance term.

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Nervous system disorders

These include the more common cerebral infarctions and cerebral haemorrhages, but also multiple sclerosis and epilepsy. Rarer musculoskeletal and spinal cord disorders also fall under this category. Reinsurance can almost always be taken out via De Hoop.

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HIV en andere infecties

Almost without exception, someone with HIV can take out term life insurance via De Hoop. Other chronic infections, such as hepatitis B and C, are also easily treatable and insurable these days.

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Gastrointestinal and liver diseases

Gastrointestinal and liver diseases are often easily insurable. There are also gastrointestinal and liver diseases, such as celiac disease (gluten allergy), that do not entail an increased medical risk.

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Rheumatic conditions, autoimmune diseases

In general, rheumatic conditions, autoimmune diseases are easy to treat. It is therefore almost always possible to take out life insurance.

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Mental disorders

De Hoop can estimate the risks for mental disorders, depending on the severity and course of the condition and the medication used.

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An addiction is always included in the assessment for a life insurance policy, where the severity of the addiction determines the risks. However, if someone has not been addicted within the last two years, the addiction will no longer be included in the assessment.

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Rare diseases

Rare diseases can also be reinsured by De Hoop. By consulting external databases and scientific studies in which these diseases occur, we are often still able to make an offer.

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