Proteinuria refers to the presence of excess protein in the urine - some protein in the urine is normal. Protein can be present in small amounts (i.e. trace) or in larger amounts. Proteinuria can also be a complication of other conditions such as diabetes mellitus. The presence of protein in the urine can be an indicator of kidney disease and should always be fully investigated.
Orthostatic proteinuria is a condition whereby urine present in the urine is associated with activity and upright posture. It is a benign condition and once fully investigated, can be accepted with no extra mortality loading.
What information should my client provide?
Your customer should complete the Kidney and urinary disorders fast-track questionnaire
Likely Acceptance Terms
| Fully investigated, no underlying cause, normal renal function | Otherwise | |
|---|---|---|
| Life cover |
Normal rates for small |
Rate for cause |
| Specified illness cover | +50% for small amounts of protein | Rate for cause |
| Income protection | +50% for small amounts of protein | Refer to underwriting |
| Hospital cash cover, accident cover, contribution cover | Normal rates for small amounts of protein | Refer to underwriting |
Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.
We recommend you contact the underwriting team to discuss individuals with this medical history.
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