Barrett's oesophagus

Barrett’s oesophagus is an abnormal (metaplastic) change in the cells of the lower end of the oesophagus.  These changes can be the result of damage from chronic reflux of stomach acid into the oesophagus. The normal lining of the oesophagus is replaced with intestinal type lining.  The condition is classified according to the degree of change or dysplasia i.e. low grade or high grade dysplasia .Barrett’s is often found in patients seeking medical care for heartburn. It is considered to be a pre-cancerous condition because it is associated with an increased risk of oesophageal cancer.

What information should my client provide? 

Your customer should complete the Stomach and bowel disorders fast-track questionnaire

Likely Underwriting Acceptance:

	Life Cover	Specified Illness Cover	Income Protection
Low Grade dysplasia	Standard Rates to 50%	Exclude	Exclude
High Grade Dysplasia	Refer to Underwriting	Decline	Decline

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