Colostomy

A colostomy is a surgical operation in which part of the large bowel is brought through the abdominal wall and opened in order to drain the intestine. The colostomy may be temporary - eventually being closed to restore continuity; or permanent - usually when the rectum or lower colon has been removed. An ileostomy is the same procedure to the small bowel. In both operations, part or all of the bowel may be removed. This surgery can be undertaken for a variety of reasons including Crohn's disease, ulcerative colitis and tumours and the underwriting decision will be determined by the reason for the surgery.

What information should my client provide?

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

Likely acceptance terms

Life cover, specified illness cover, income protection
Terms will depend on the reason for surgery.

Hospital cash cover, accident cover, contribution cover
Terms will depend on the reason for surgery.

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