Abnormal Smear

Women are routinely invited under the national cervical check program every three to five years for cervical screening.
A smear test is carried out to detect any changes in the cervix. During the test some cells are removed from the neck of
the womb and examined microscopically to look for changes that could develop into cervical cancer.

The results can be recorded as follows:

CIN 1 – Mild abnormalities in the cells of the cervix

CIN 2 – Moderate abnormalities in the cells of the cervix

CIN 3 – Severe abnormalities in the cells of the cervix

Facts:

In Ireland approximately 300 women are diagnosed with invasive cervical cancer each year.

It is the second most common female cancer in Europe.

Source: www.cancer.ie

What information should my client provide?

Your customer should complete the Gynaecology fast-track questionnaire

Likely Underwriting Acceptance:

	Life Cover	Specified Illness Cover	Income Protection	Bill Cover
CIN 1	Standard Rates	Standard Rates	Standard Rates	Standard Rates
CIN 2 & 3 completely excised with no invasion	Standard Rates	Postpone within 6 months. Standard rates thereafter following normal smear	Standard Rates	Standard Rates

Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.