Otitis

Otitis relates to inflammation of the ear. Otitis externa can affect the auditory canal and is commonly caused by infection. Symptoms can include discomfort or discharge. Once the ear is cleared of discharge and debris, the hearing is normal unless there is an underlying otitis media.

Otitis media is inflammation of the middle ear. It can develop as a result of a respiratory tract infection. Acute otitis media responds rapidly to medical treatment. Chronic otitis media can develop as a complication with the infection causing loss of hearing, or, in severe cases complications such as meningitis.

What information should my client provide?

Your customer should complete Ear disorders fast track questionnaire

Likely acceptance terms

Life cover
Normal rates

Specified illness cover
Normal rates with a loss of hearing exclusion if hearing is impaired.

Income protection
Normal rates for acute attacks that have been successfully treated; otherwise loss of hearing exclusion.

Hospital cash cover, accident cover, contribution cover
Normal rates for most cases, cover will be declined for severe cases.

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