Haematuria

Haematuria is the presence of red blood cells in the urine. It can be a sign of infection, the presence of a kidney stone or a more serious disease such as a tumour in the urinary system. A symptom such as haematuria would normally warrant further investigation to establish the underlying cause. Investigations include a repeat urinalysis (urine sample), cystoscopy (examination of the bladder with a scope), IVP (intravenous pyelogram - a procedure used to visualise abnormalities in the kidneys) or renal ultrasound (a procedure using high frequency sound waves to view the urinary system and produce images of them).

What information should my client provide?

Your customer should complete the Kidney and urinary disorders fast-track questionnaire. 

Likely acceptance terms

Life cover, specified illness cover, income protection
Once fully investigated, rate for cause.

Hospital cash cover, accident cover, contribution cover
Once fully investigated, rate for cause.

Terms are unlikely to be available for lives where a history of haematuria has not been investigated.

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

We recommend you contact the underwriting team to discuss individuals with this medical history.