Asthma

Chronic inflammatory condition of the airways causing shortness of breath that is triggered by allergens, irritants, cold air, or exercise.

Likely Underwriting Decision

Minimal: Super Preferred possible

Mild: Preferred to 150%

Moderate: 150 to 250%

Severe: 250% to decline

Factors Affecting the Decision

  • Current age
  • Date of diagnosis
  • Severity of symptoms
  • Frequency of attacks
  • Timing of attacks (day or night)
  • Type of medication and frequency of use
  • Compliant with medications
  • Medication side effects
  • Hospitalizations or ER visits
  • Limitations to activities
  • Smoking history
  • Concurrent impairments such as COPD, psychiatric disorder, alcohol abuse, CAD

Fast Track the App

Requirements:
APS or Asthma Questionnaire

Fast Track:

  • Pulmonary function tests, hospital reports
  • Details of lifestyle modification (such as non-smoking)
  • Level of activity
  • Type of medication and frequency of use