Anemia

A reduction in the number of red blood cells due to blood loss, failure of the bone marrow to produce sufficient cells, or premature destruction of the cells.

Likely Underwriting Decision

Ratings depend on type of anemia. Decisions can range from Preferred to decline


Iron deficiency anemia: Preferred possible when fully investigated and no underlying condition identified


Aplastic anemia: Usually decline


Hemolytic anemia: Standard to 200%, but rating could be higher depending on type and severity


Factors Affecting the Decision

  • Type of anemia
  • Cause of anemia, if known
  • Treatment
  • Details of testing done and referrals to specialists (include dates, names of tests and doctors seen)
  • Blood test results
  • Medications
  • Any concurrent impairment

Fast Track the App

Requirements:
APS

Fast Track:

  • Details of investigation and testing
  • Details of ongoing surveillance of the condition (including blood tests, electrophoresis)