This is a chronic, often relapsing condition. Symptoms include widespread muscle and joint pain, severe mental and physical exhaustion, poor concentration, headaches and sleep disturbance, all of which can be exacerbated by minor activity. No cause has been identified but some viral infections or stresses can often trigger onset. The duration and course of the condition are unpredictable and the degree of disability and range of symptoms vary in severity. Complete recovery is possible, however there is no recognised treatment other than complete rest.
What information should my client provide?
Your customer should complete General medical disclosure fast-track questionnaire
Likely acceptance terms
Specified illness cover
Normal rates with a loss of independence exclusion.
Income protection, hospital cash cover, accident cover, contribution cover
Cover will be declined.
Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.