Hernia

This is a protrusion of an organ, or part of an organ, through the wall of the cavity containing it. Hernias can be congenital or acquired through strain or injury. They tend to occur at points of a structural weakness in the walls of body cavities, especially the abdomen, and are especially common in the groin region (inguinal and femoral hernias), at the navel (umbilical hernia) and at the opening in the diaphragm through which the oesophagus passes to run into the stomach (hiatus hernia).

What information should my client provide?

Your customer should complete the Stomach & bowel fast-track questionnaire .

Facts:

It is estimated that a third of people over 50 have a hiatus hernia.

Source: www.hse.ie

Likely Underwriting Acceptance:

	Life Cover	Specified Illness Cover	Income Protection
Currently present	Standard Rates to 75%	Standard Rates to 50%	Exlude
History of - fully recovered	Standard Rates	Standard Rates	Standard Rates

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