This is a congenital defect of the lower spinal vertebrae in which the bony canal that protects the spinal cord and nerve roots to the legs is deficient and in some cases the spinal cord is protected only by the skin. The main types of spina bifida are:
| Spina bifida occulta | Minor defects present with little or no symptoms |
| Spina bifida cystica | A more serious form, where developmental failure results in part of the spinal cord and nerves being exposed. This can cause damage to the nerves supplying the bladder and lower limbs, resulting in paralysis and bladder problems |
What information should my client provide?
Your customer should complete the General medical disclosure fast-track questionnaire .
Facts:
Spina Bifida is a condition which affects about one in every 1000 children born per year in Ireland. Ireland has one of the highest incidences of Spina Bifida births in the world.
Source: http://www.sbhi.ie/about_spina_bifida
Likely Underwriting Acceptance:
| Life Cover | Specified Illness Cover | Income Protection | |
|---|---|---|---|
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Spina bifida occulta – Asymptomatic |
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| Spina bifida cystica – Depending on the level of the lesion and extent of bladder/neurological involvement |
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Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.
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