Osteomyelitis is inflammation of the bone caused by an infection or secondary to a fracture and can either be acute or chronic. The infection can spread via the bloodstream to the bone. The most common areas affected vary according to age and for adults areas of concern are the vertebrae and pelvis. When an infection occurs in the bone, it can cause a loss of blood supply to that area and the tissue will eventually die - this results in chronic osteomyelitis.
What information should my client provide?
Your customer should complete Arthritis and other joint disorders fast-track questionnaire
Likely acceptance terms
|Acute condition, fully recovered||Chronic condition|
|Life cover||Normal rates||Normal rates/+50% up depending on years since last attack|
|Specified illness cover||Normal rates/+50% up depending on years since last attack||Normal rates/+50% up depending on years since last attack|
|Income protection||Normal rates/+50% up depending on years since last attack||Normal rates/exclude depending on years since last attack|
|Hospital cash cover, accident cover, contribution cover||Normal rates with an exclusion for severe cases. If the condition is still present, terms will not be available until a full recovery has been made|
Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.