Kidney Stones

A kidney stone is a hard stone formed within the urinary tract. Stone may be single or multiple and can occur anywhere in the urinary system.  Small stones can be passed out of the body in the urine.  Larger stones that cannot be passed can obstruct the kidneys causing damage to it if left untreated. Such stones are likely to be removed surgically.

What information should my client provide?

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

Facts:

Kidney stones are quite common and usually affect people who are between 30 and 60 years of age. They affect men more than women.

Source: http://www.hse.ie

Likely Underwriting Acceptance:

	Life Cover	Specified Illness Cover	Income Protection
Stone Present	Standard Rates to 50%	50% to 100%	50% to 100%
Stone no longer present	Standard Rates	Standard Rates	Standard Rates to 50%

*The likely acceptances terms indicated above assume one attack only and there is no complications noted.

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