Barrett's Esophagus

Disorder in which the cells normally lining the lower esophagus are replaced by cells normally found lining the stomach. May occur due to esophageal injury caused by reflux. Barrett's esophagus may be a pre-malignant condition for esophageal cancer.

Likely Underwriting Decision

Best Case: Preferred if no dysplasia and good follow-up done on a regular basis


Typical Case: Standard to 150%


Worst Case: Decline (if history of high-grade dysplasia and treated with medication only)

Factors Affecting the Decision

  • Current age
  • Ongoing risk factors
  • Type of testing done and results (endoscopy, biopsy)
  • Medication/treatment
  • Response to medication treatment
  • Compliant with medical treatment and follow-up
  • Complications (e.g., hemorrhage, perforation)

Fast Track the App

Requirements:
APS

Fast Track:

  • Pathology reports
  • Details of ongoing follow-up (e.g., endoscopy)
  • Details of lifestyle modification(stop smoking and alcohol use)
  • Medication/treatment