Scleroderma is a chronic progressive disorder of unknown cause characterised by a hardening and contraction of the connective tissue which supports, binds and separates the specialised tissues and organs of the body. Sclerosing can affect the gastrointestinal tract, lungs, heart, joints and kidneys. Sometimes, but not always, changes in the skin can occur. A milder, localised form of the condition limited to skin involvement only - this is known as morphea. Females are often more likely to be affected than men.
What information should my client provide?
Your customer should complete the General medical disclosure fast-track questionnaire.
Likely acceptance terms
Life cover, specified illness cover, income protection
For morphea, affecting skin only we will offer normal rates to +100% depending on time since diagnosis. For all other forms of scleroderma, cover wil be declined.
Hospital cash cover, accident cover, contribution cover
Terms may be available on select morphea cases; otherwise cover will be declined.
Please note that likely acceptance terms are indicative only and cases are subject to full underwriting. We recommend you contact the underwriting team to discuss individuals with this medical history.