Ulcerative Colitis

Ulcerative colitis is a chronic condition which affects the large intestine causing inflammation and ulceration. Symptoms can vary in severity depending on how much of the intestine is inflamed and how severe the inflammation is. Symptoms include abdominal pain, diarrhoea and weight loss. Treatment can include drugs, including steroids and surgery to remove all or part of the bowel. Hospitalisation may be required during severe attacks.

What information should my client provide? 

Your customer should complete the Ulcerative Colitis section of fast-track questionnaire 

Facts: 

In 2011 there were 14.9 per 100,000 new cases of ulcerative colitis in Ireland. 

Patients can be diagnosed at any age with a peak age of incidence being between 15 and 35. 

Source: www.iscc.ie

Likely Underwriting Acceptance:

*Years since diagnosis	Life	Specified Illness Cover*	Income Protection	Bill Cover
less than 1 year	50 - 100%	50 - 100% depending on age	Postpone	Postpone
1 - 3 years	50 - 75%	50 - 100% depending on age	100% - Exclude	100% - Exclude
more than 3 years	Standard Rates - 50%	50 - 100% depending on age	50% - Exclude	Exclude

*More favourable terms may be available where the condition is considered to be mild. 
*For specified illness cover an Ulcerative Colitis exclusion will automatically be applied. 

*Please note that due to the type of medication i.e. treatment with infusions, DMARDs or Anti-TNF an extra loading may apply. 

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