This is a systemic disease, usually occurring in childhood and is characterised by acute inflammation of the joints, heart muscle, central nervous system and blood vessels. The incidence of rheumatic fever has declined considerably since the 1940's. However, there has been a rise again in the last two decades due to a more virulent strain of the streptococcus bacteria and penicillin resistance. Symptoms can include a history of sore throat, joint pains, fever and abdominal pains. Some people are unaware of even having the disease. Although the condition may subside without any apparent permanent damage, late effects of the rheumatic inflammation may develop in the heart muscle resulting in heart valve abnormalities - see aortic stenosis, aortic incompetence and aortic valve surgery.
What information should my client provide?
Your customer should complete the General medical disclosure fast-track questionnaire.
Likely acceptance terms
In cases where terms are indicated below, this assumes a good history is available with up to date cardiology reports.
| Without murmur | With murmur | |
|---|---|---|
| Life cover | Normal rates | Rate for sequelae - see aortic stenosis, aortic incompetence, aortic valve surgery, mitral disorders |
| Specified illness cover | Postpone within six months to a year of last attack. Normal rates/+50% up depending on whether attacks are single or recurrent and time since last attack | Rate for sequelae - see aortic stenosis, aortic incompetence, aortic valve surgery, mitral disorders |
| Income protection | Postpone within six months to a year of last attack. Normal rates/+50% up depending on whether attacks are single or recurrent and time since last attack | Rate for sequelae - see aortic stenosis, aortic incompetence, aortic valve surgery, mitral disorders |
| Hospital cash cover, accident cover, contribution cover |
Normal rates | Cover will be declined |
Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.
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