Coeliac disease

Coeliac disease is an inherited, digestive disease that damages the small intestine and interferes with absorption of nutrients from food. The lining of the small intestine is damaged from eating gluten, a component found in wheat or related grains, and in many types of food. Treatment for coeliac disease is a gluten-free diet and if this is adhered to, coeliacs can expect a near normal life expectancy. There is an increased risk of malignant disease in the intestine in long standing untreated or inadequately controlled disease

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
Postpone within six months of diagnosis; normal rates thereafter assuming the condition is controlled with no complications

Income protection
Postpone within six months of diagnosis. +50% within six months to one year of diagnosis.
Normal rates thereafter assuming the condition is controlled with no complications.

Hospital cash cover, accident cover, contribution cover
Acceptable at normal rates assuming the condition is controlled with no complicating factors; otherwise cover will be declined.

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