Sarcoidosis is a systemic inflammatory disease of unknown cause. It is the growth of collections of inflammatory cells (granulomas) in different parts of the body. It may affect any part of the body but most commonly affects the lungs, eyes and skin. The course of the disease varies greatly among individuals and in the majority of cases; sarcoidosis is mild and the inflammation can resolve with or without treatment. In other cases it can slowly progress over time causing permanent organ damage.
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Stage 0 |
Normal chest x-ray, no medication , disease in remission and clinically stable |
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Stage 1 |
Abnormal chest x-ray, no steroid treatment , disease stable with no progression |
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Stage 2 |
Abnormal chest x-ray, treatment with steroids, disease stable |
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Stage 3 |
Abnormal chest x-ray, treatment with steroids, disease progressive with involvement of other organs i.e. brain, nervous system |
What information should my client provide?
Your customer should complete the Bronchitis fast-track questionnaire .
Facts:
Sarcoidosis affects approximately 10-20 people in every 100,000 of the population, and is quite common in Ireland.
Source: www.irishlungfoundation.ie
Likely Underwriting Acceptance:
| Life Cover | Specified Illness Cover | Income Protection | |
|---|---|---|---|
| Stage 0 |
 |
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| Stage 1 |
Postpone within 6 months of diagnosis , Normal Rates once in remission for 2 years |
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| Stage 2 |
 Postpone within 1 year of diagnosis, otherwise Normal Rates to 200%
|
Postpone within 1 year of diagnosis, otherwise Normal Rates to 100%
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Postpone within 1 year of diagnosis, otherwise Normal Rates to 75%
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| Stage 3 |
 Decline
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Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.
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