Bariatric Surgery

Surgery for morbid obesity, most commonly known as "stomach stapling."

Likely Underwriting Decision

Unable to consider until 3-6 months after surgery

Assuming no complications:

  • Up to 12 months: Rating based on pre-operative weight minus half any weight loss
  • <1 strong> Rating based on current weight

Factors Affecting the Decision

  • Pre-operative weight
  • Any co-morbid conditions (such as diabetes, hypertension, coronary disease)
  • Date of surgery
  • Type of surgery
  • Any surgical complications
  • Outcome of surgery(weight loss, improvement of risk factors)

Fast Track the App

Requirements:
APS

Fast Track:

  • Supply all medical reports relating to the surgical procedure and follow-up
  • Illustrate positive improvements in lifestyle