Diverticulitis

Diverticulitis is inflammation of the diverticula (pouches)  in the digestive tract.  The pouches within the large bowel become inflamed or infected giving rise to pain and possibly an abscess.  The condition is usually treated by medical means such as increasing the fibre content of the diet and using antibiotics for episodes of infection but occasionally surgery is required for complications such as an abscess, perforation or obstruction

What information should my client provide?

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

Facts:

About 75% of people with diverticular disease will have one or more episodes of diverticulitis.

It is estimated that 30% of people who are 60 years old or more are affected by diverticular disease.

Both male and female are equally affected by diverticular disease and diverticulitis, although the condition is more likely to appear at a younger age (under 50) in men than in women.

Source: www.hse.ie

Likely Underwriting Acceptance:

	Life Cover	Specified Illness Cover	Income Protection
No Surgery
Single or repeated mild attacks, fully recovered	Standard Rates	Standard Rates	50% upwards to Exclude diverticular disease of the colon
Attacks with complications	Standard Rates to 100%	50% upwards	Exclude diverticular disease of the colon

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