Osteoarthritis

Osteoarthritis relates to inflammation of the joints including a loss of cartilage and overgrowth of the bone. Osteoarthritis is the most common chronic condition of the joints. It occurs when the protective cartilage on the ends of your bones wears down over time.  The most common sites are hands, knees, hips and spine.   It is generally a disease of the elderly but can occur in younger people secondary to previous joint injuries.  Unless severe and widespread it is of little concern for life cover once rheumatoid arthritis has been excluded.

What information should my client provide?

Your customer should complete Arthritis and joint disorders fast-track questionnaire

Facts:

Osteoarthritis is more common and often more severe in women, especially in the knees and hands.

Source: www.arthritisireland.ie

Likely Underwriting Acceptance:

Life Cover	Specified Illness Cover	Income Protection
Standard Rates	Standard Rates	Exclusion to Decline depending on the occupation.

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