Discoid lupus erythematosus

Lupus is an inflammatory disease that occurs when your body’s immune system attacks your own tissues and organs. The skin, joints and muscles are most commonly affected. It can be chronic and relapsing and progress to involve the major internal organs. There are several different types of lupus; the main two types are SLE – Systemic Lupus Erythematosus and DLE – Discoid Lupus Erythematosus.

• SLE - Systemic lupus erythematosus is a chronic disease that can have phases of worsening symptoms that alternate with periods of mild symptoms. It can affect most of the body’s tissues and organs.
• DLE – Discoid lupus erythematosus is a chronic skin condition of sores with inflammation and scarring on the face, ears and scalp and at times on other body areas,

Facts:

Lupus affects 8-10 times as many women as men; it is usually seen in women of childbearing years.

Source: www.irishhealth.com

Likely Underwriting Acceptance:

Please note the ratings indicated below are based on no cerebral or renal involvement.

If your customer has been diagnosed with Systemic Lupus Erythematosus within the last 3 years we will postpone cover.

	Life Cover	Specified Illness Cover	Income Protection
Systemic Lupus Erythematosus
No current medication	100% upwards	100% upwards	Decline
Currently on medication	100% upwards	Decline	Decline
Discoid Lupus Erythematosus
No current medication	Standard Rates to 50%	Standard Rates to 50%	Exclude
Currently on medication	Please refer to Underwriting		Decline

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