| Condition |
Information Required** |
| Alcohol Abuse/Dependency |
- Is it ongoing?
- Current liver function test results?
- Is client working full-time?
- Any complications or co-existing conditions (e.g. heart/mental health problems)?
|
| Atrial Fibrillation/Arrhythmias |
- Any symptoms currently?
- Treatment past and present?
- Any underlying problems?
- Any complications (e.g. blood clots in the lungs, strokes)?
|
| Cancer (including Hodgkin’s Disease, Non-Hodgkin’s lymphoma and the leukaemias) |
- What type?
- Staging/grading?
- Treatment and the date it was completed?
- Any spread from the original site?
|
| Cardiomyopathy |
- What type (e.g. dilated or congestive, restrictive, hypertrophic)?
- Any symptoms currently?
- Treatment past and present?
- Any complications (e.g. heart failure)?
|
| Cystic Fibrosis |
- Any severe complications (e.g. respiratory problems, heart enlargement, diabetes)?
- Is client working full-time?
NB: Maximum policy term available – to age 40.
|
| Diabetes |
- Date of diagnosis?
- Most recent HbA1c? Type 1 or type 2?
- Any diabetic complications (e.g. diabetic coma, retinopathy, kidney problems, neuropathy i.e. loss of sensation in feet etc.)?
- Any other medical conditions?
|
| Heart Attack |
- Date(s)?
- Any ongoing symptoms (e.g. angina)?
- Treatment (including stenting, coronary artery bypass grafting)?
NB: It is unlikely that we will be able to consider if the heart attack/surgery occurred within 6 months of the enquiry.
|
| HIV Positive |
- Date found to be positive?
- Current CD4 count?
- Current viral load?
- Treatment (e.g. HAART)?
- Details of any infections including dates
NB: Maximum policy term available is usually 10 years.
|
| Kidney/Liver Transplant |
- Date(s)?
- Any rejection episodes? If so, when?
- Current renal function, if known?
NB: For kidney transplants we will not be able to consider within 2 years if the transplanted organ comes from a living donor or 3 years if it comes from a cadaver. For liver transplants we can consider after 1 year. The maximum policy term available is usually 20 years post-surgery but for a liver transplant the policy must expire before age 60 if this is sooner. Terms may be possible for second kidney transplants where kidney function 2 years post-operatively is good and there are no complications.
|
| Kidney Failure (Chronic)/Dialysis |
- Current renal function, if known? In particular, if the client knows their GFR (glomerular filtration rate) and/or cretanine readings, it would be helpful to us.
NB: Renal function needs to be stable and better than 20-25%. There must be no other co-existing health issues. If on dialysis, it needs to have commenced 2 years prior to enquiry. The maximum term available is 20 years and the policy must expire at age 55 if this is sooner.
|
| Mental Illness |
- What type (e.g. anxiety, depression, bipolar disorder)?
- Treatment past and present (including in-patient treatment)?
- How many suicide attempts, if any, and dates?
NB: There needs to have been no suicide attempts within the last year and no multiple suicide attempts within the last 5 years. For recurrent bipolar disorder and schizophrenia, there should have been no episodes within the last 2 years and the client should be working full-time.
|
| Multiple Sclerosis |
- What type (e.g. relapsing remitting, secondary progressive, primary progressive, progressive relapsing)?
- Date of diagnosis?
- Date of last relapse?
- How many relapses per year?
- Current symptoms, if any? Severity of symptoms (e.g. are any mobility aids required for walking)?
- Any complications (e.g. bowel/bladder problems, depression)?
|
| Obesity |
- Current height and weight?
- Any co-existing health issues?
NB: It is unlikely that we will be able to provide an illustration for clients whose BMI is in excess of 55 where there are other co-existing conditions.
|
| Primary Sclerosing Cholangitis (PSC) |
- Any symptoms currently?
- Current liver function, if known?
- Any complications (e.g. bile duct obstruction, liver failure, increased blood pressure in the portal vein leading from the intestines to the liver)?
NB: Maximum policy term available – 10 to 15 years.
|
| Stroke |
- Date(s)?
- Treatment past and present?
- Severity of any residual physical/mental problems?
|
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