Chest pain caused by reduced blood flow to the heart
Additional premium or exclusion
Likely to result in a cardiac exclusion for medical cover and could result in a premium adjustment for life/funeral cover if severe. Income cover may have a premium adjustment or not be available. Trauma cover may have a premium adjustment or be excluded.
Likely to result in an exclusion for medical cover and could result in a premium adjustment for life/funeral cover if severe. Income cover may have an exclusion or not be available. Trauma cover would have an exclusion.
If localised could have exclusions related to affected areas only for medical cover. Could result in a general exclusion, including hips, if more widespread. Arthritis usually doesn't affect life cover applications but serious rheumatoid or psoriatic arthritis can result in extra premiums being charged (for life cover). Income & trauma cover would receive an exclusion. Go here for more information about less invasive treatments.
Would likely have an exclusion on medical, income or trauma cover unless it was resolved more than 5 years ago. Life cover may have an extra premium charged if the tumour affected a vital organ.
Metalware used to repair or still having residual issues
Standard for life cover- excluded for others
Likely to be excluded for a medical, income or trauma cover application. Unlikely to have any impact on a life cover or funeral cover application. If joint replacement is being considered go here for more information about less invasive treatments.
A BMI (body mass indicator) of over 35 or under 18
Could result in an extra premium being charged for life, income, trauma or medical cover if BMI exceeds 32. To calculate your BMI take your height in metres and multiply this by itself. So if you're 1.83m tall multiply 1.83 x 1.83 to get an answer (in this case 3.349). Then divide your weight in kilograms by this answer. So a person who is 1.83m tall and weighing 100kg would have a BMI of 100/3.349 = 29.86. Perfectly fine for medical, income, trauma or life cover.
Including lumps, cysts, discharge or abnormal mammograms or ultrasound scans
Standard to extra premium to declined
Could have an exclusion on medical, income or trauma cover if recent, recurring and/or serious. One-off cysts that were treated more than 5 years ago are unlikely to result in an exclusion. Life cover would only be affected if the lump was cancerous.
In many cases medical, income or trauma cover would be offered with an exclusion for the specific cancer or cancer generally. Life cover may not be available if the cancer/tumour has not been clear for more than 5 years. There is likely to be an additional premium charged for life cover after 5 years
Unlikely to affect life, income, trauma or medical cover if cholesterol has been well managed and under medication. If untreated and continually higher than normal (5.5+ or above) could have cover denied, an increase in premiums or a cardiac exclusion for medical.
Medical, income & trauma cover would likely have an exclusion. Life cover could be standard premium rates in many cases but may have an additional premium charged if still being treated with prednisone.
Medical would be unaffected as many policies exclude mental health issues anyway. Income & trauma cover may be unaffected or result in an extra premium or exclusion (if serious). Life cover could be unaffected but could have an additional premium charged or be declined in very severe cases.
Abnormal blood sugar test or impaired glucose tolerance
Standard to extra premium to declined
Medical cover would have an exclusion. Income & trauma cover would have an extra premium charged or not be available. Life cover would usually have an additional premium charged for type I diabetes. Type II diabetes could be standard for life cover in older clients if well managed and there aren't too many other health issues like high BMI.
Would likely have an exclusion for medical, income & trauma cover. Life cover would be unaffected or could have an extra premium charged for severe degeneration.
Medical, income & trauma cover would likely have an exclusion. Life cover could be standard premium rates in many cases but may have an additional premium charged if still being treated with prednisone.
A form of arthritis (inflammation of the joints) that can cause sudden, severe attacks of pain in the joints
Standard or exclusion
Medical would have an exclusion. Income & Trauma may have an additional premium charged. Life cover could range from standard premium rates to loaded by a small amount depending on severity.
Including abnormal PAP/cervical smears, fibroids etc
Standard to excluded
May not affect medical, income, trauma or life cover if more than two years ago and normal smear tests achieved since. Hysterectomy would not affect cover unless there was cancer involvement.
(also known as piles) Swollen and inflamed veins in the rectum or anus.
Standard to excluded
Would not affect medical, trauma or income cover if treated more than 2 years ago. Recent or untreated haemorrhoids would be excluded. Life cover would not be affected.
Hepatitis is an infectious liver disease caused by the hepatitis virus
Standard to extra premium
Would not affect medical, income, trauma or life cover if more than 5 years ago and A. Hepatitis B or C could result in an extra premium being charged for life cover and be excluded for other covers.
(hypertension) Common condition - the force of your blood against your artery walls is too high, too often.
Standard to declined
Unlikely to affect life, income, trauma or medical cover if blood pressure has been well managed and under medication. If untreated and continually higher than normal could have cover denied, an increase in premiums or a cardiac exclusion on medical cover, income & trauma.
e.g. kidney stones, infections or abnormal renal function tests etc.
Extra premium or excluded
May have an exclusion for medical cover if within 5 years. Abnormal renal function may result in a higher premium for life cover. Trauma & income cover may exclude this condition.
e.g. hepatitis, fatty liver or abnormal liver function tests etc.
Exclusion or extra premium
Likely to have an exclusion for medical, income & trauma cover. Life cover could have an extra premium charged or may be deferred until liver function tests return to normal.
e.g. depression, anxiety, stress, phobias, suicide attempts
Standard to extra premium to declined
Medical would be unaffected as many policies exclude mental health issues anyway. Life & trauma cover could be unaffected but could have an additional premium charged or be declined in very severe cases. Income cover would likely exclude this condition.
Severe headaches, usually on one side of your head, & can also make you sensitive to light & noise.
Standard to exclusion
Medical, trauma & income cover would likely have an exclusion. Life cover would be unaffected if the migraines have been occurring for more than 2 years. An application may be deferred (the insurer won't consider cover) for 12 months if symptoms are relatively new.
Could result in an exclusion for trauma, income or medical cover or may be declined in extreme cases. Life cover would either be offered with an extra premium or be declined.
Could result in an extra premium being charged for life, income, trauma or medical cover if BMI greater than 32. To calculate your BMI take your height in metres and multiply this by itself. So if you're 1.83m tall multiply 1.83 x 1.83 to get an answer (in this case 3.349). Then divide your weight in kilograms by this answer. So a person who is 1.83m tall and weighing 100kg would have a BMI of 100/3.349 = 29.86. Perfectly fine.
May not affect medical, income, trauma or life cover if more than two years ago and normal smear tests achieved since. Recent and/or more serious grade could result in an exclusion, loading or decline of the application.
Medical, income & trauma cover would likely have an exclusion. Life cover could be standard in many cases but may have an additional premium charged if still being treated with prednisone.
e.g. asthma, lung disorder, bronchitis, emphysema, TB etc.
Standard to extra premium
Mild asthma or bronchitis would not affect medical, income, trauma or life cover. More severe or recurrent lung disorders would be excluded for medical cover and would result in an extra premium for life , income or trauma cover. In extreme cases the life, income or trauma cover would be declined.
A type of autoimmune disease (where the body attacks its own cells).
Extra premium to excluded
Would be excluded for medical, income or trauma cover and application could be declined if more severe. Life cover could have an extra premium charged if their is malformation of fingers or joints. Go here for more information about whether alternative treatments to joint replacement exist.
e.g. dermatitis, psoriasis, eczema, cysts, suspicious moles, lesions etc.
Standard to extra premium
Medical, income & trauma cover could have a benign and/or malignant skin lesion exclusion. Minor skin disorders would be excluded for medical cover. Life cover would only be affected if malignant. If the policy has a 'benign skin lesion' exclusions you are still covered for malignant skin lesions (and vice versa).
e.g. chronic insomnia or obstructive sleep apnoea etc.
Extra premium to excluded
Medical could have an exclusion or be unavailable. Life cover would likely have an additional premium charged or be unavailable until a sleep study shows the disorder is well managed.
Usually a tear near joints, such as the shoulder, elbow, knee, and ankle.
Standard to an exclusion
Medical, income or trauma cover could have an exclusion if less than 2 years ago or poorly healed. Otherwise standard terms would apply. Life cover would be unaffected.
May have an exclusion for medical, income or trauma cover. Life cover could be unaffected or have an extra premium charged or be declined in severe cases.
Medical, income & trauma cover would have an exclusion. Life cover could be unaffected if well managed. Poorly managed would result in an extra premium being charged.
In many cases medical, income or trauma cover would be offered with an exclusion for cancer or benign tumour. Life cover may not be available if the cancer/tumour has not been clear for more than 5 years. An additional premium may still be charged after 5 years. Benign tumour would likely be standard for life cover.
Enlarged and swollen veins that are most commonly found in your legs and feet
Standard to excluded
Wouldn't be excluded from medical, income or trauma cover if treated more than 2 years ago. Would be excluded from these covers if still present. Life cover wouldn't be affected.