This is a defect in the septum, the partition between the left and right sides of the heart, between the atria and may be found between the two atria (atrial septal defect) or the ventricles (ventricular septal defect). A septal defect permits abnormal flow of blood from the left side to the right with increased blood flow through the lungs. In general, prognosis is determined by size of the defect, age at surgical repair, current symptoms and exercise capacity.
Classification (for illustrative purposes only)
| Trivial | Normal exercise capacity and normal echocardiogram. |
| Mild | Normal exercise capacity with mild abnormalities on echocardiogram. |
| Moderate | Moderate limitation of exercise capacity with abnormalities on echocardiogram. |
| Severe | Severe limitation of exercise capacity with significant abnormalities on echocardiogram. |
What information should my client provide?
Your customer should complete the General medical fast-track questionnaire .
Likely Underwriting Acceptance:
| Life Cover | Specified Illness Cover | Income Protection | |
|---|---|---|---|
|
No Surgery
|
|||
| Trivial |
 |
|
50% upwards
|
| Slight |
50% upwards |
100% upwards *
|
 Decline
|
| Moderate |
75% upwards
|
100% upwards *
|
Decline
|
| Severe |
Decline
|
||
| With Surgery | |||
| <1 year since surgery |
Postpone
|
||
| >1 year since surgery |
|
|
|
*Please note if Specified Illness cover is available, there will be also an exclusion of heart valve and structural surgery.
Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.
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