A cerebral aneurysm occurs when one of the arteries in the brain dilates due to a congenital abnormality, e.g. berry aneurysm, or due to atherosclerosis (hardening of the arteries). A haemorrhage is an escape of blood from a ruptured aneurysm and a subarachnoid haemorrhage occurs when such a bleed occurs into the subarachnoid space, an area in the brain. SAH can occur spontaneously from an aneurysm or may result from a head injury.
Symptoms can include sudden severe headache, vomiting and dizziness with varying degrees of loss of consciousness. A cerebral angiography (x-ray of the arteries of the brain) is often used to determine the extent of and whether any other aneurysms exist. Treatment is usually surgical and will involve clipping of the aneurysm to prevent further recurrence. Hypertension may be a contributing factor
What information should my client provide?
Your customer should complete the General medical fast-track questionnaire
Likely acceptance terms
Life cover
SAH untreated | Cover will be declined. |
Surgically treated | Postpone within one year of surgery. |
Thereafter | +75% depending on time since surgery. |
Specified illness cover, income protection
Cover will be declined.
Hospital cash cover, accident cover, contribution cover
Cover will be declined.
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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