Peptic ulcer is the general term used to describe an ulcer occurring anywhere in that part of the alimentary tract which comes into contact with the gastric juices. The most common are duodenal and gastric ulcers - the two main causes of which are Helicobacter pylori (H. pylori) infection and non-steroidal anti-inflammatory drugs (NSAIDs) such as aspirin. Dyspepsia and abdominal pain may be the presenting complaint, associated with epigastric tenderness. Peptic ulceration may present with complications (bleeding, perforation and stenosis). All of the above can be treated medically with success, but for persistent symptoms, surgery such as a vagotomy and/or pyloroplasty can be performed.
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*
Normal rates for up to two attacks, where applicant is now symptom free, on no medication and is a non-smoker.
Hospital cash cover, accident cover, contribution cover
Normal rates for up to two attacks, where applicant is now symptom free, on no medication, and a non-smoker; otherwise decline - though terms may be available for select cases.
*It is likely that a PMA report will be automatically requested for a history of ulcer when applying for income protection.
Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.