Medical Impairments
Abnormal blood sugar
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Details required about date, history of diabetes, fasting blood sugar, other complications | Individual consideration | Individual consideration | Individual consideration |
Abnormal PAP
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Class I or II | Standard | Exclusion for cervical cancer | Exclusion for cervical cancer |
Other | Synergy not available |
Alzheimer's Disease
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Synergy not available |
Anxiety, no time lost
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
No functional impairment and no other significant mental health impairment | Standard | Standard | 180-day waiting period and exclusion for anxiety/ depression |
Asthma
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Minimal or Mild | Standard | Standard | Standard |
Moderate to Severe | Synergy not available |
Anemia
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Iron deficiency, fully investigated | Standard | Standard | Standard |
Other | Individual consideration | If insurable for life: Standard | If insurable for life: Standard |
Details required about type, status, treatment |
Attempted suicide
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Synergy not available |
ALS or other motor neuron disease
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Synergy not available |
Basal cell carcinoma
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Details required about date, stage, treatment, recurrence | Individual consideration | If insurable for life: Exclusion for malignant melanoma | If insurable for life: Exclusion for malignant melanoma |
Bleeding tendency
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Synergy not available |
Blindness
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
One or both eyes, depending on cause, duration, recurrence | Standard | Exclusion for blindness | Exclusion for blindness |
Blurred/double vision
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Details required about cause, duration, recurrence | Individual consideration |
Breasts
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Abnormal mammogram findings Details required about type, age at diagnosis, treatment, family history and follow up | Individual consideration | If insurable for life: Exclusion for breast and ovarian cancer | If insurable for life: Exclusion for breast and ovarian cancer |
Cysts, lumps, other changes | Individual consideration | If insurable for life: Exclusion for breast and ovarian cancer | If insurable for life: Exclusion for breast and ovarian cancer |
Burnout
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Details required about symptoms, dates, duration, causes, treatment, recurrence and current status | Individual consideration | If insurable for life: Standard | If insurable for life: 180-day waiting period and exclusion for anxiety/depression |
Cancer or tumors
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Murmur: Details required about type, severity, date of diagnosis, symptoms, treatment, investigations | Individual consideration | If insurable for life: Exclusion for heart valve replacement | If insurable for life: Standard |
Other | Synergy not available |
Cardiovascular (heart and blood vessels) disease
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Murmur: Details required about type, severity, date of diagnosis, symptoms, treatment, investigations | Individual consideration | If insurable for life: Exclusion for heart valve replacement | If insurable for life: Standard |
Other | Synergy not available |
Cerebral Palsy
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Synergy not available |
Chronic fatigue
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Well defined, complete recovery > 2 years with no significant depression or time lost | Standard | Standard | 180 day waiting period and exclusion for anxiety/depression |
Chronic Obstructive Pulmonary Disease (COPD)
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Synergy not available |
Chronic or recurrent bronchitis
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Synergy not available |
Chronic pain
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Mild | Standard | Standard | 180 day waiting period and exclusion for anxiety/depression |
Moderate | Synergy not available |
Cirrhosis
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Synergy not available |
Cognitive impairment
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Synergy not available |
Colitis
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Spastic | Standard | Standard | 180 day waiting period and exclusion for gastrointestinal tract diseases |
Ulcerative | Standard | Exclusion for colon cancer | Exclusion for colon cancer |
Mild, attack free, less than 5 years | Standard | Exclusion for colon cancer | Exclusion for colon cancer |
Moderate, symptom-free > 5 years and age 45 and up | Standard | Exclusion for colon cancer | Exclusion for colon cancer |
Crohn's Disease
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Synergy not available |
Cystic Fibrosis
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Synergy not available |
Deafness
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Details required about cause, degree and unilateral or bilateral | Individual consideration | If insurable for life: Exclusion for deafness | If insurable for life: Exclusion for deafness |
Dementia
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Synergy not available |
Depression
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Mild, no time lost | Standard | Standard | 180 day waiting period and exclusion for anxiety/depression |
Other | Individual consideration | If insurable for life: Standard | If insurable for life, 180 day waiting period and exclusion for anxiety/depression |
Details required about symptoms, dates, duration, causes, treatment, recurrence and current status | Individual consideration | If insurable for life: Standard | If insurable for life, 180 day waiting period and exclusion for anxiety/depression |
Diabetes
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Gestational: If resolved after delivery, may be acceptable subject to review of prior history, treatment, build, and family history of diabetes or coronary artery disease | Individual consideration | If insurable for life: Standard | If insurable for life: Standard |
Type I | Synergy not available | ||
Type II | Synergy not available | ||
Impaired Glucose Tolerance: Review of prior history of this condition, treatment, build, and family history of diabetes or coronary artery disease | Individual consideration | If insurable for life: Standard | If insurable for life: Standard |
Diverticulitis and Diverticulosis
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Well controlled | Standard | Standard | Exclusion for gastrointestinal tract diseases |
Not well controlled | Synergy not available |
Dizziness/Fainting/Syncope
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Details required about date, cause, recurrence, investigation, treatment | Individual Consideration |
Down Syndrome
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Synergy not available |
Dysplastic Nevus
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Standard | Exclusion for malignant melanoma | If insurable: Exclusion for malignant melanoma |
Dysplastic Nevus Syndrome
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Excellent follow up, no personal or family history of malignant melanoma | Standard | If insurable for life: Exclusion for malignant melanoma | If insurable: Exclusion for malignant melanoma |
Emphysema
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Synergy not available |
Epilepsy
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Absence seizure, onset > 2 years ago, well-controlled | Standard | Standard | 180 day waiting period |
Major seizure > 2 years since last seizure | Standard | Standard | 180 day waiting period |
All others | Synergy not available |
Fibromyalgia
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Well defined complete recovery > 2 years with no significant depression or time lost | Standard | Standard | 180 day waiting period and exclusion for anxiety/depression |
Gastrointestinal bleed
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Details required about investigation, source, dates, treatment | Individual consideration | If insurable for life: Exclusion for colon cancer | If insurable for life: Exclusion for colon cancer |
Glaucoma
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Under treatment and stable | Standard | Exclusion for blindness | Exclusion for blindness |
Gout
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Acute and mild, less than three attacks per year and no complications | Standard | Standard | Standard |
Hearing impaired
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Details required about cause, degree and unilateral or bilateral, assuming not progressive | Standard | Exclusion for deafness | Exclusion for deafness |
Hemophilia
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Synergy not available |
Hepatitis A
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Recovered, single mild attack, no residual problems | Standard | Standard | Standard |
Hepatitis B (Acute)
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Recovered > 6 months, single mild attack, no residual problems and normal liver function tests | Standard | Standard | Standard |
Hepatitis
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Other than above | Synergy not available |
High blood pressure
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Well controlled and compliant with medication | Standard | Standard | Standard |
Not well controlled and/or not compliant | Synergy not available |
High cholesterol
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Well controlled and compliant with medication | Standard | Standard | Standard |
Not well controlled and/or not compliant | Synergy not available |
Hyperthyroidism/Grave�s Disease
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Controlled | Standard | Standard | Standard |
Uncontrolled | Synergy not available |
Hyperthyroidism
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Treated, controlled and no complications | Standard | Standard | Standard |
Other | Synergy not available |
Injury or disorder of muscles, bones, joints, spine
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Details required about what, when, treatment, recurrence, any restrictions | Standard | Standard | Exclusion for joint/back and/or 180 day waiting period may be required |
Irritable Bowel Syndrome (IBS)
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
No ulceration or blood in stools | Standard | Standard | Exclusion for gastrointestinal tract diseases |
Jaundice
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Jaundice is more of a symptom than a unique disease | Individual consideration |
Kidney stone
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Unilateral, recovered | Standard | Standard | Standard |
Other | Individual consideration | If insurable for life: Standard | If insurable for life: Standard |
Require details about recurrence, 1 or both kidneys, complications, treatment | Individual consideration | If insurable for life: Standard | If insurable for life: Standard |
Labyrinthitis
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Acute, full recovery or chronic with a benign cause | Standard | Exclusion for deafness | Exclusion for deafness |
Other | Individual consideration |
Leukemia
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Synergy not available |
Liver disease
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Synergy not available |
Loss of speech
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Details required about cause, investigation, treatment, complications | Individual consideration | If insurable for life, exclusion for loss of speech | If insurable for life, 180-day waiting period |
Lupus
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Synergy not available |
Mental impairment/retardation
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Synergy not available |
Migraines
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Mild to moderate < 20 days over three-month period | Standard | Standard | Standard |
Multiple Sclerosis
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Synergy not available |
Muscular Dystrophy
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Synergy not available |
Nephritis
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
One attack, fully recovered, no recurrence, normal kidney function test | Standard | Standard | Standard |
Other | Individual consideration | If insurable for life: Standard | If insurable for life: Standard |
Optic Neuritis
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Up to two episodes, at least one year symptom free, with no other neurological deficits and MS investigation negative | Standard | Exclusion for MS | 180-day waiting period |
Other | Synergy not available |
Osteoarthritis
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Mild or moderate, no significant impairment or restrictions | Standard | Standard | 180-day waiting period |
Pancreatitis
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Synergy not available |
Paralysis
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Synergy not available |
Parkinson's Disease
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Synergy not available |
Polycystic Kidney Disease
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Synergy not available |
Polyps/lesions
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Details required of when, type, treatment, follow up and family history | individual consideration | If insurable for, exclusion for specific cancer | If insurable for life: Exclusion for specific cancer |
Pregnancy
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Currently pregnant | Standard | Standard | Exclusion for pregnancy with reconsideration after returning to work full-time for at least three months |
Maternity leave | Synergy not available: Reconsideration after returning to work full-time for at least three months |
Prostatitis
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Acute, recovered | Standard | Standard | Standard |
Other: Details required of recurrence, PSA level | Individual consideration | If insurable for life: Standard | If insurable for life: Standard |
Psoriasis
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Mild to moderate | Standard | Standard | Standard |
Rheumatoid Arthritis
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Synergy not available |
Sarcoidosis
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Details required about type, organs impacted, treatment, symptoms, investigations | Individual consideration | If insurable for life: Standard | If insurable for life: 180-day waiting period |
Schizophrenia
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Synergy not available |
Scleroderma
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Diagnosis of morphea, generalized scleroderma ruled out, > 6 months | Standard | Standard | Standard |
Other | Synergy not available |
Seizures/Convulsions
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Synergy not available |
Sight impaired
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Corrected to 20/200 or better, depending on cause | Standard | Exclusion for blindness | Exclusion for blindness |
Sleep apnea
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Mild, no complications | Standard | Standard | Standard |
Mild, with complications or moderate to severe | Synergy not available |
Sugar or blood in urine
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Synergy not available |
Tinnitus
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Standard | Exclusion for deafness | 180-day waiting period and exclusion for deafness |
Tremor
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Essential (documented and not suggestive of Parkinson's) | Standard | Standard | 180-day waiting period |
Vertigo (no sign of ischemia) | Standard | Standard | Standard |
Single attack, full recovery, after one year | Standard | Standard | Standard |
Tuberculosis
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Inactive > 1 year | Standard | Standard | Standard |
Other | Synergy not available |
Ulcer
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Duodenal, gastric, peptic | Standard | Standard | Standard |
Single episode, no bleeding, full recovery | Individual consideration | If insurable for life: Standard | If insurable for life: Exclusion for gastrointestinal tract diseases |
Other | Individual consideration | If insurable for life: Standard | If insurable for life: Exclusion for gastrointestinal tract diseases |
Uterine fibroids
Condition Type | Insurance Type | ||
---|---|---|---|
Life | Critical Illness | Disability | |
Surgically treated with full recovery | Standard | Standard | Standard |
Present, stable and confirmed by ultrasound | Standard | Exclusion for uterine cancer | Exclusion for cervical cancer |