Gastric Bypass / Bariatric Surgery

Bariatric surgery includes a variety of procedures for people who are obese and are unable to achieve satisfactory weight loss through diet and exercise alone. Weight loss can be achieved by reducing the stomach size thus giving a feeling of fullness having only eaten a small portion of food.

Types of surgery include:

Gastric Band – the volume of the stomach is reduced by stapling or inserting a gastric ring across the stomach wall. The feeling of fullness is experienced after a smaller intake of food and weight loss is achieved due to the reduced food intake.

Gastric Bypass – a small stomach pouch is created to restrict food intake. A Y-shaped section of the small intestine is attached to the pouch to allow food to bypass the lower stomach. The bypass reduces the absorption of nutrients and thereby reduces the calorie intake.

Pancreatico-bilary and intestinal bypass – this involves the removal of a portion of the stomach along with a long intestinal bypass which significantly reduces the absorption of nutrients and thereby reduces the calorie intake.

Likely acceptance terms

Postpone within six to twelve months of surgery. An extra mortality loading will apply thereafter depending on the type and years since surgery, current weight and any complications

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