Sleep Apnoea

Obstructive sleep apnoea (OSA) is a sleep disorder where the sufferer frequently stops breathing (apnoea) or has instances of shallow or infrequent breathing during their sleep (hypopnea). Breathing can stop repeatedly for ten seconds and longer in extreme cases.

People with OSA experience repeated episodes of apnoea and hypopnea during the night. The lack of oxygen causes the person to come out of a deep sleep and into a lighter sleep or period of wakefulness in order to restore breathing. Repeated interruptions can leave a person feeling very tired during the day.

OSA can be classified as minor or major depending on symptoms and response to treatment, impact on personal, work and/or social life and number of episodes of apnoea’s per hour

What information should my client provide?

Your customer should complete the Fast Track Questionnaire - General Medical Section

Facts

The onset of OSA is most common in people aged 35 to 54 years old, although it can affect people of all ages

Source: www.hse.ie

Likely Underwriting Acceptance:

	Life Cover	Specified Illness Cover	Income Protection
Mild with no other cardiovascular risks	Standard Rates	Standard Rates	Standard Rates
Otherwise	50% upwards	50% - 150%	50% to decline

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