Cerebral palsy

Cerebral palsy is a term which describes a group of disorders present at birth or in early childhood due to brain damage sustained during pregnancy, at delivery or shortly after birth. Damage can be caused by lack of oxygen, trauma during pregnancy or delivery, or severe infections occurring shortly after birth. The condition is characterised by rigidity of one or more limbs, involuntary movements of the hands and arms with convulsions, speech defects and mental impairments in some cases.

What information should my client provide?

Your customer should complete General medical disclosure fast-track questionnaire 

Likely acceptance terms

Life cover
Normal rates if good motor skills, no epilepsy or mental impairment; otherwise +50% - 150%. Where mental impairment is severe, it will be necessary to decline cover.

Specified illness cover
If motor skills are good motor skills and there is no epilepsy or mental impairment then generally normal rates with a loss of independence exclusion; otherwise we will decline.

Income protection, 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.