This is a disease characterised by the dilatation of the bronchial tubes in the lungs. It can be unilateral - affecting one lung - or bilateral affecting both. The lungs begin to lose their ability to clear mucus, this leads to a build up creating an environment in which bacteria can grow. This is turn leads to repeated lung infections which, over time, can cause cumulative damage. The airways become dilated and scarred, impeding respiration. The most common symptoms are daily cough and production of large amounts of mucus, repeated lung infections, shortness of breath, wheezing and pleuritic chest pain.
| Classification: For illustrative purposes only | |
|---|---|
| Mild | Unilateral or localised to one lobe only, with minimal symptoms and only occasional medical treatment. |
| Moderate | Unilateral with more extensive involvement or more than one lobe affected, symptoms are three to four times a year relieved with medical treatment |
| Severe | Bilateral or three or more lobes involved with frequent/continuous treatment and symptoms, pulmonary function likely to be impaired. |
What information should my client provide?
Your customer should complete the Bronchitis fast-track questionnaire
Likely acceptance terms
| Mild | Moderate | Severe | |
|---|---|---|---|
| Life cover | +50% | +75% - +100% | +150% - +200% |
| Specified illness cover | +50% | +100% | Cover will be declined |
| Income protection | Age under 40 years: +100% Age over 40 years: +50% up |
Cover will be declined | Cover will be declined |
Hospital cash cover, accident cash, contribution cover
Normal rates for mild cases, otherwise decline.
*Some terms may be available for income protection on select cases where the disease is classified as moderate.
Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.
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