Sickle Cell Anaemia

Sickle cell anaemia, also known as sickle cell disease is the one of the most common inherited blood disorders affecting the haemoglobin in the blood. The disorder is characterised by red blood cells that assume an abnormal sickle shape. This sickle shape decreases the cells flexibility and results in their restricted movement through the blood vessels, depriving some tissues of oxygen. Symptoms normally consist of periodic pain and fever caused by infection or exposure to cold. Severe disease can affect the heart, kidneys, lungs and liver. Ratings depend on the exact type of disorder, frequency of attacks, the extent of any complications and the client's age.

What information should my client provide?

Your customer should complete the General medical disclosure fast-track questionnaire .

Likely acceptance terms

Life cover
Cover will, generally, be declined however terms may be available depending on the client's age at application.

Specified illness cover
Cover will be declined.

Income protection
Cover will be declined.

Hospital cash cover, accident cover, contribution cover
Cover will be declined.

We recommend you contact the underwriting team to discuss individuals with this medical history.