Choose from the list of impairments to see what John Hancock's underwriters look for and likely underwriting risk classifications or rating.
Gall Bladder Disease
The gall bladder stores and concentrates bile produced in the liver. The most common disorders of the gall bladder are generally benign.
Likely Underwriting Decision
This is generally a benign condition and can qualify for Best Class if criteria are met. However, large, solitary gall bladder polyps in older individuals must be fully investigated before an underwriting offer can be considered
Factors Affecting the Decision
- Any other significant health history
- Nature of the disease
- Any serious complications (e.g., pancreatitis or jaundice)
- Treated surgically
Fast Track the App
APS (not typically required for gall stones)
Full records to include diagnosis, all investigations and test results