Medical Impairments
Acromegaly
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Disease of pituitary gland.
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Requirement: APS |
Age 0-17: decline
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Addison’s Disease
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Disease of adrenal gland, characterized by atrophy of adrenal cortex with hormone deficiency. |
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Requirement: APS |
Good control compliant with replacement therapy, asymptomatic
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AIDS – Acquired Immune
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Deficiency Syndrome Positive or indeterminate HIV findings.
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HIV or AIDS diagnosis: decline
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Affective Disorders: Depression and Bipolar Affective Disorder
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Excessive mood disturbance with symptoms varying from sadness to severe depression. |
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Requirement: APS, Emotional Health Questionnaire
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Reactive Depression, depressed mood, minor depression, situational depression, symptomatic dysthymia
Major Depression or Bipolar Affective Disorder: |
Alcohol Misuse and Alcoholism
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Consumption considered as abuse, dependence, at risk and/or heavy use. |
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Requirement: APS, Alcohol Use Questionnaire, blood test, MVR
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Previous alcohol dependence, abstainer no associated physical, social or mental impairments: History of combined drug and alcohol abuse: |
Amputations
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Complete or partial loss of a limb. May be due to trauma, infection or disease. |
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Requirement: APS |
Traumatic amputation: Non-traumatic amputations e.g. vascular, tumours, diabetes: decline |
Amyotrophic Lateral Sclerosis (ALS)
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Lou Gehrig’s Disease Rapidly progressive and fatal neuromuscular disease. |
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Decline |
Anemia
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Iron Deficiency
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Requirement: APS
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Depending on cause: |
Angina Pectoris
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Chest pain, tightness, or discomfort caused by reduced blood flow to the heart due to coronary artery disease. |
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Decline |
Arteriosclerosis / Atherosclerosis
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Hardening of the arteries.
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Decline |
Arthritis: Osteoarthritis
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Inflammation of the joints.
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Requirement: APS |
Mild to moderate: standard
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Arthritis: Rheumatoid
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Including Psoriatic Arthritis and Still's disease / Juvenile Rheumatoid Arthritis
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Requirement: APS
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Rheumatoid arthritis Psoriatic arthritis Still's disease/Juvenile rheumatoid arthritis |
Asthma
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Chronic inflammatory condition of the airways causing shortness of breath, triggered by allergens, irritants, cold air, or exercise. |
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Requirement: APS
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Nonsmokers Smoker |
Attention Deficit Disorder (ADD) / Attention Deficit Hyperactivity Disorder (ADHD)
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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May be associated with increased risk-taking activities, accidental injuries related to impulsivity, employment difficulties. |
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Requirement: APS |
No Complications: standard
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Basal Cell Carcinoma
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Requirement: APS
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Present In history completly excised |
Blindness
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Refer to Eye Impairments |
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Exclude blindness |
Blood Pressure: Elevated / Hypertension
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Primary (essential) hypertension is the most common type, affecting 95% of people with hypertension. Cause is unknown, but thought to be the result of a complex interplay of factors.
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Requirement: Vitals
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Ratings depend on the severity of the hypertension. Most cases can be standard if well controlled and compliant with medication/diet and no other risk factors. |
Bronchitis
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Inflammation of the bronchial air passageways.
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Requirement: APS |
Mild, Acute: standard
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Cancer
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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A tumour that has the propensity to grow, invade surrounding tissues, and spread (metastasize) to other parts of the body.
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Requirement: APS
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Typically decline
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Celiac Disease
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Chronic intestinal malabsorption disorder caused by intolerance to gluten. |
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Requirement: APS |
Well controlled, asymptomatic, compliant
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Chest Pain: Uncertain Origin
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Can be due to a wide variety of causes (hiatus hernia, lung disorders, panic attacks, muscular, cardiac, etc.). It is important to note the cause, frequency, duration and treatment. |
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Requirement: APS, Chest Pain Questionnaire
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Due to heart disease: decline
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Cholesterol: Elevated or Hyperlipidemian
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Ideally measured following a 12-hour fast. High levels may be primary or secondary – associated with diet, activity level, and other factors. Linked to increased risk of coronary artery disease. |
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Requirement: APS
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Controlled for at least 6 months, with no adverse associated findings or family history: standard
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Chronic Fatigue Syndrome (CFS)
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Persistent/recurrent fatigue lasting over 6 months, severe enough to reduce daily activities by at least 50%, with other treatable diseases ruled out. |
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Requirement: APS |
Present, well controlled, no depressive symptoms: standard
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Chronic Obstructive Pulmonary Disease (COPD)
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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An obstruction of the airways. Often associated with a history of smoking. |
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Requirement: APS |
Non smokers Smokers |
Cirrhosis of the Liver
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Decline |
Colitis: Ulcerative
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Chronic inflammation of the colon (bowel), of unknown cause. Symptoms include bloody diarrhea. Tendency to remission and exacerbations. |
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Requirement: APS
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All cases within 2 years of diagnosis: postpone
Surgical treatment with complete recovery, normal weight maintained |
Colon Polyps
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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A growth which is common and often asymptomatic in individuals over age 50. There are two common types:
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Requirement: APS
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Hyperplastic: standard
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Concussion: Brain
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Transient post traumatic loss of consciousness with no serious neurological residual impairment. |
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Requirement: APS |
Minor concussion with full recovery: standard
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Connective Tissue Disorders: Discoid Lupus
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Skin lesions aggravated by sun exposure. |
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Requirement: APS |
< 6 months since diagnosis: postpone
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Connective Tissue Disorders: Systemic Lupus Erythematosus(SLE)
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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A rheumatic disease with multisystem involvement. |
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Decline. |
Coronary Artery Disease
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Decline. |
Crest Syndrome
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Chronic disorder of the immune system characterized by diffuse fibroids of the skin and internal organs. |
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Decline. |
Crohn’s Disease
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Chronic inflammatory disorder of the gastrointestinal tract. Generally first diagnosed in young adults. Complications include obstruction and increased cancer risk. Complications similar to UlcerativeColitis. Surgery may be required. |
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Requirement: APS |
All cases within 2 years of diagnosis At least two years since the diagnosis: |
Cushing’s Disease or Syndrome
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Disease of adrenal gland.
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Requirement: APS |
Individual consideration |
Cystitis
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Bacterial infection of the lower urinary tract. |
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Requirement: APS, Urinalysis |
Single episode, present: standard
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Diabetes / Gestational Diabetes
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Chronic metabolic disease caused by lack of insulin or lack of response to insulin, causing fluctuations in blood sugar.
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Requirement: APS, Blood
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Type 1: decline
Gestational Diabetes |
Diverticulitis / Diverticulosis
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Diverticulitis
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Requirement: Possible APS |
Present: postpone
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Dizziness
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Rated for cause |
Drug Use: Marijuana
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Cannabis, Hashish, Pot |
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Requirement: Drug Use Questionnaire |
Individual Consideration:standard non smoker rates to Decline
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Drug Use: Unprescribed, Narcotics
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Cocaine, Ecstasy, LSD, Heroin, etc. |
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Requirement: Drug Use Questionnaire |
Present use: decline
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Ear Impairments: Deafness/Hearing Loss
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Total or partial hearing loss due to trauma or disease. May be progressive. |
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Requirement: APS
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Exclude Deafness |
Ear Impairments: Mastoiditis
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Inflammation of mastoid bone – either acute or recurrent. |
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Requirement: APS if within 2 years
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No treatment or presently undertreatment: postpone
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Ear Impairments: Meniere’s Disease
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Chronic recurrent syndrome of passing vertigo, tinnitus, hearing loss, nausea and vomiting |
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Requirement: APS |
Exclude deafness |
Eating Disorders: Anorexia Nervosa Bulimia Nervosa
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Characterized by distorted body image. |
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Requirement: APS |
No treatment or presently under treatment: postpone
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Endometriosis
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Endometrial tissue is present in sites outside the uterine cavity. |
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Requirement: APS |
Present, no complications with or without medication, or in history with no surgery for 2 years and well controlled: standard
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Epilepsy
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Brain disorder resulting in recurrent seizures.
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Requirement: APS |
Individual Consideration |
Eye Impairments: Blindness/Impaired Vision
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Vision loss can be caused by trauma or disease and can be acute or progressive. Legal blindness is vision of 20/200 or worse in the better eye |
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Requirement: APS |
Congenital or due to trauma, blind in one eye and other eye normal or impaired: exclude Blindness
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Eye Impairments: Cataract
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Clouding of lens of eye.
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Requirement: APS |
Present: exclude blindness
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Eye Impairments: Glaucoma
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Increased pressure in eye.
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Requirement: APS |
Present Treated, stable, no loss of vision: standard with exclusion for blindness
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Eye Impairments: Iritis
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Inflammation of the iris.
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Requirement: APS |
Cause known: rate for cause
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Eye Impairments: Retinal Detachment
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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A partial or total separation of inner layers of retina from pigment layer, requiring urgent treatment. |
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Requirement: APS |
Cause known: rated for cause and exclude blindness
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Fibrocystic Breast Disease
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Characterized by cyst formation causing pain and tenderness, differentiated by mammogram or biopsy. |
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Requirement: APS
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Cysts present: exclusion for breast and ovarian cancer
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Fibromyalgia
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Fibrositis / Myofascial Pain Syndrome / Chronic Pain Syndrome.
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Requirement: APS |
Other underlying disorders excluded: exclude LivingCare benefit
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Fractures
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Break or rupture of the bone which may be simple (closed) or compound (open). Usually caused by trauma but may be secondary to other disease. Some fractures require installation of pins, screws, plates which may increase risk of infection or a need for further procedures to remove/replace. |
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Requirement: APS |
Traumatic: usually standard
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Gall Bladder Stones
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Cholelithiasis. |
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Requirement: APS |
Silent stones or single episode of colic: standard
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Gastroesophageal Reflux Disease (GERD)
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Varied complaints due to reflux of stomach and duodenal contents (acid and bile) into esophagus. |
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Requirement: APS |
Standard |
Gout
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Characterized by elevated uric acid with attacks of acute arthritis and sometimes kidney stones.
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Requirement: APS |
Acute, less than 3 attacks per year: usually standard
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Heart Abnormalities: Angina Pectoris
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Decline |
Heart Abnormalities: Enlarged Heart
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Requirement: APS
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Depending on age, degree and assuming no other cardiac or ECG abnormality, cause of enlargement: individual consideration (trial application) |
Heart Abnormalities: Mitral Valve Prolapse
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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The most common heart valve abnormality which is often asymptomatic and requires no treatment. |
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Requirement: APS
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No complications, mitral regurgitation absent or trivial: + 50%
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Heart Abnormalities: Murmur
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Abnormal heart sounds caused by blood flow. |
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Requirement: APS
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Functional/Innocent: standard
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Heart Abnormalities: Tachycardia
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Rapid pulse. |
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Requirement: APS |
Cause known: rated for cause
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Heart Attack
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Myocardial Infarction. |
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Decline |
Hemochromatosis
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Disorder of iron metabolism leading to iron overload with deposition and damage to various tissues of the body. |
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Requirement: APS
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Best case: normal iron studies and liver enzymes, no symptoms: standard
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Hepatitis
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Inflammation of the liver often evidenced by elevated liver enzymes.
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Requirement: APS
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Present, all types: postpone
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Hernia: Inguinal, Hiatus, Umbilical
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Protrusion of tissues or organs. A protrusion of part or all of an organ or body structure through a weakness or defect in the wall of its normal confines. It is important to note the type and location. |
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Requirement: APS |
Usually standard Investigations/Surgery pending: postpone |
Hodgkins’ Disease
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Enlarged lymphatic glands. |
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Decline |
Huntington’s Chorea
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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A hereditary disease causing involuntary muscle movements. |
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Decline |
Hypoglycemia
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Low blood sugar. |
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Requirement: APS |
Functional, minimal symptoms: standard
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Hysterectomy
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Surgical removal of the uterus. |
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Requirement: APS
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Rated for cause |
Insomnia
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Difficulty initiating or maintaining sleep.
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Requirement: APS |
Cause known: rated for cause
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Kidney Disorders: Polycystic Disease
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Inherited disease in which numerous cysts gradually develop, eventually destroying normal kidney tissue. |
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Requirement: APS
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Decline
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Kidney Disorders: Glomerulonephritis
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Including Bright’s. |
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Requirement: APS |
Decline |
Kidney Disorders: Nephrectomy
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Surgical removal of kidney. |
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Requirement: APS
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Due to congenital abnormality, trauma, benign tumour, cysts; remaining kidney normal; normal urinalysis; no current urinary system impairment or hypertension: standard
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Kidney Disorders: Renal Failure
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Impaired kidney function – may be acute following shock, crushing injuries, infection or poisons. Full recovery may occur or may become chronic. |
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Requirement: APS
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Acute episode, complete recovery, normal urine, normal blood pressure, no sequels 0-2 years: postpone
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Kidney Disorders: Kidney Transplant
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Recipient: decline |
Kidney Stone
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Requirement: APS
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Present, unilateral or bilateral Staghorn Calculus |
Meniere’s Disease
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Refer to Ear Impairments |
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Exclude Deafness |
Meningitis
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Inflammation of the brain or spinal cord. |
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Requirement: APS
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Present: postpone
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Migraine
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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A severe vascular headache caused by alterations in the diameter of the blood vessels within and outside the head. Visual abnormalities (blind spots, flashing lights), difficulty speaking, paralysis, a severe pounding headache and nausea often characterize a migraine. |
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Requirement: APS |
Migraine: standard
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Miscarriage
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Interruption of pregnancy before fetus is capable of living outside the uterus. |
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Requirement: APS |
Standard |
Multiple Sclerosis
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Decline |
Myocardial Infarction
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Heart attack. |
Refer to Heart Attack. |
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Decline |
Myositis
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Inflammation of muscles. |
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Requirement: APS |
Individual consideration |
Narcolepsy
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Characterized by excessive daytime sleepiness leading to sleep attacks. |
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Requirement: APS |
Cause known Cause unknown |
Obesity
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Refer to Build Table |
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Osteoarthritis
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Acceleration of the normal aging process, leading to degenerative joint disease. |
Refer to Arthritis: Osteoarthritis |
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Ovarian Cysts
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Characterized by excessive daytime sleepiness leading to sleep attacks. |
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Requirement: APS
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Benign: standard
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Pancreatitis
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Inflammation of the pancreas. |
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Requirement: APS |
Acute, no alcohol offences
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Parkinson’s Disease
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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A progressive, degenerative central nervous system disorder. |
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decline |
Phlebitis, Venous
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Thrombosis, Thrombophlebitis Inflammation of a vein, blood clot in a vein. |
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Requirement: APS |
Superficial thrombophlebitis: standard
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Pleurisy
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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An inflammation of the membrane lining the inside of the chest wall and the surface of the lungs. It may be related to an acute pulmonary infection (eg. pneumonia, flu) or it may be associated with more serious illnesses (congestive heart failure, malignant tumours, pancreatitis, etc).
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Requirement: APS
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Cause Known Cause unknown |
Pneumonia
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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An acute lung infection caused by bacteria, viruses, or fungi. |
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Requirement: APS
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Present: postpone
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Pneumonitis
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Lung disease secondary to inhalation of mineral or organic dust. |
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Present: postpone
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Pneumothorax
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Collapsed lung.
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Requirement: APS
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Spontaneous, no complications, complete recovery
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Pregnancy
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Requirement: APS
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No complications: standard
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Prostate Disorder: Enlargement
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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A gland surrounding the neck of the bladder and urethra in the male. Disorders may include inflammation (acute or chronic), enlargement, or cancer of the prostate. |
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Requirement: APS
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Not operated Operated |
Prostate Disorder: Prostatitis
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Requirement: APS
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One episode, full recovery: usually standard |
Pyelitis
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Refer to Kidney Disorders |
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Pyelonephritis
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Refer to Kidney Disorders |
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Raynaud’s Syndrome
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Disturbances of circulation in extremities, causing numbness and pallor. |
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Requirement: APS |
Standard |
Shingles
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Herpes zoster.
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Requirement: APS |
One episode, full recovery: standard |
Skin Disorders: Dermatitis, Eczema, Psoriasis
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Most skin eruptions are transient and related to viral infection or an allergic reaction. It is important to note any impact the skin disorder may have on the client’s occupation. |
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Requirement: APS |
Standard |
Skin Tumours: Benign, Non-melanoma, Melanoma
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Most common nonmelanoma:
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Requirement: APS
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If no family history of Melanoma or Dysplastic Nevus Syndrome: Single dysplasic nevus removed, and noother unusually/atypical moles:
2 or more dyplastic nevi or unusual/atypical moles:
Dysplastic Nevus Syndrome and a family history of it or melanoma:
Dysplastic Nevus Syndrome and no family history of malignant melanoma or dysplastic nevus syndrome:
Basal Cell Carcinoma or Squamous Cell Carcinoma:
Melanoma: decline |
Sleep Apnea
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
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Cessation of breathing during sleep. Causes daytime fatigue, leading to increased accident risk. Commonly associated with excess weight and alcohol excess. Diagnosis is made by a sleep study. |
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Requirement: APS
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Obstructive, no cardiac arrhythmia, no treatment or treated with evidence of good response Mild: standard Moderate, treated with evidence of good response, no cardiac arrhythmia, non-smoker
Moderate, no treatment or noncompliant with CPAP: decline Severe, No treatment or non-compliant: decline Good response/compliant
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Splenectomy
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
---|---|---|---|
Removal of the spleen, usually due to trauma. |
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Requirement: APS
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Due to injury, fully recovered, no residual: standard
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Stomach Disorders: Gastritis
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
---|---|---|---|
Inflammation of the stomach. |
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Requirement: APS |
Acute, single attack: standard
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Stomach Disorders: Ulcer
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
---|---|---|---|
Peptic, duodenal, gastric, etc. Peptic ulcer disease is a common impairment in which ulcerations develop in the esophagus, stomach, or duodenum. Previously the cause of ulcers was thought to be due to the secretions of stomach acid. Although this is still significant in ulcer formation, a bacteria called H. Pylori is thought to be the leading cause of ulcer disease. Antibiotics have proven to heal the ulcers and prevent recurrence. Another major cause of ulcers is the chronic use of anti-inflammatory medications. |
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Requirement: APS
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Malignancy ruled out, asymptomatic: standard
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Stroke and Transient Ischemic Attack (TIA)
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
---|---|---|---|
Stroke
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Stroke: decline
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Syncope
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
---|---|---|---|
Sudden transient loss of consciousness, of varying length and duration, not due to trauma or seizure. |
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Requirement: APS |
Cause known: Rated for cause
Recurrent, severe or not well investigated: postpone |
Thalassemias
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
---|---|---|---|
Inherited anemia |
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Requirement: APS |
Minor trait, definite diagnosis, normal blood count: standard
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Thyroid Disorders: Hyperthyroidism
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
---|---|---|---|
Gland is overactive in secreting a hormone that controls the body’s metabolism. |
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Requirement: APS |
Present, untreated: decline
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Thyroid Disorders: Hypothyroidism
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
---|---|---|---|
Gland is underactive in secreting a hormone that controls the body’s metabolism. |
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Requirement: APS
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Treated, under control: standard
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Thyroid Disorders: Graves’ Disease
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
---|---|---|---|
Over-activity of thyroid which enlarges into goiter. |
Refer to Thyroid Disorders: Hyperthyroidism |
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Thyroid Disorders: Thyroid Nodule or Cyst
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
---|---|---|---|
Over-activity of thyroid which enlarges into goiter. |
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Requirement: APS |
Thyroid Nodule/Cyst present, Uninvestigated: postpone
Thyroid Nodule/Cyst removed |
Tuberculosis
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
---|---|---|---|
An infectious disease that is increasing in Canada due to immigration and HIV exposure. It can usually be controlled with proper medical treatment, although drug resistant strains have developed. It is important to note the number of sites and extent to which an organ is infected, the medication, progressions, and any complications. |
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Requirement: APS
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Present: decline
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Underweight
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
---|---|---|---|
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Refer to Build Table |
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Varicose Veins: Legs
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
---|---|---|---|
Abnormally enlarged veins with functionally insufficient valves. They may develop because of a benign disorder (obesity, pregnancy, frequent standing) or be the result of a serious disorder (cirrhosis, tumours, clots, etc.) |
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Requirement: APS |
Standard |
Vertigo
Condition and description | Factors affecting the decision | Fast track the app | Likely underwriting decision |
---|---|---|---|
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Rated for cause |