Polycystic Kidney Disease

Polycystic Kidney Disease is an inherited disorder in which abnormal cysts develop and grow in the kidneys.  As the cyst increase in size, the kidneys begin to function less well, generally ending in complete kidney failure.  As well as the kidneys, polycystic kidney disease can also affect the liver, pancreas, ovaries heart and brain.

It is usually diagnosed before the age of 30. As the years progress, if the client has not been diagnosed with the disease, the chance of developing it decreases substantially.  Most doctors agree that if a person has polycystic kidney disease, all siblings and children should be regularly screened for the disease.

With polycystic kidney disease if a parent has the condition, then  a child has an approximate 50% chance of developing the disease. There is a genetic test for the disease, but please be aware that underwriting, under the Disability Act 2005, cannot take either a positive or a negative genetic test into consideration.

What information should my client provide?

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

Facts:

Polycystic Kidney Disease is uncommon as only 1 in every 1,000 people are born with the condition. However Polycystic Kidney Disease is the most common hereditary condition to affect the kidneys.

Source: www.hse.ie

Likely Underwriting Acceptance:

Life Cover	Specified Illness Cover	Income Protection
Terms will be available for selected cases, please contact underwriting to discuss individual case.	Decline	Decline

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