Bronchitis is an inflammation of the lining of your bronchial tubes which carry air to and from your lungs. Bronchitis may be either acute or chronic
- Acute bronchitis is a short term inflammation and irritation of the bronchial tubes. It is usually caused by bacteria or viruses such as influenza.
- Chronic Bronchitis is a type of chronic obstructive lung disease. The inflamed bronchial tubes produce excessive mucus. This leads to coughing and difficulty breathing. Cigarette smoking is the main contributory factor to the development and progression of the disease. If smoking continues, the disease will proceed to a stage of irreversible damage.
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Mild |
Up to two attacks per year usually in winter, with little or no breathlessness except on strenuous exertion. No clinical abnormalities between attacks except smoker’s cough. |
|
Moderate |
Recurrent exacerbations in summer and winter. Shortness of breath on moderate exertion. Symptoms are continuous. |
|
Severe |
Continual symptoms with prominent cough and wheeze. Shortness of breath on minimal activity. Substantial time off work |
What information should my client provide?
Your customer should complete the Bronchitis fast-track questionnaire.
Facts:
- In Ireland there were 3,438 deaths from disease of the respiratory system in 2011 of these 1,625 were males and 1,813 were females.
Source: www.irishthoracicsociety.com
- Smoking is the main cause of chronic obstructive lung disease. At least 4 out of 5 people who develop the disease are or have been smokers.
Source: www.hse.ie
Likely Underwriting acceptance:
| Life Cover | Specified Illness Cover | Income Protection | |
|---|---|---|---|
| Acute Bronchitis |
 |
|
|
|
Chronic Bronchitis |
|||
| Mild |
 50% upwards
|
50% upwards
|
50% upwards
|
| Moderate |
150% to Decline |
Decline |
Decline |
| Severe |
Decline |
Decline |
Decline |
Please note the ratings indicated above assume your customer is a non-smoker (and has used no nicotine replacements products) within the past 2 years.
Please note that likely acceptance terms are indicative only and case are subject to full underwriting.
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