Ulcerative Colitis

Chronic inflammatory ulceration of the colon (relapsing-remitting type disorder).

Likely Underwriting Decision

The younger the age at application and the more severe the course of the disease, the higher the ratings

Mild: Best cases, i.e., well-controlled on non-steroidal medication, no immunosupressants, >5 years since last attack: Preferred is possible

Moderate (incl. steroid treatment): Standard possible at older ages if more than 5 years since last attack. Up to 350% for recent attacks and at younger ages

Severe: May not be insurable until stabilized for 1 year

Factors Affecting the Decision

  • Current age
  • Severity of the disease
  • Frequency of flare-ups
  • Severity of symptoms
  • Medication (ongoing oral steroid therapy)
  • Hospitalization
  • Surgery
  • Weight stable or loss
  • Testing and follow-up
  • Complications or concurrent impairments (e.g., rheumatoid arthritis or other inflammatory disease)

Fast Track the App

Requirements:
APS

Fast Track:

  • Pathology reports
  • Evidence of regular GI surveillance (colonoscopy)
  • Details of hospitalization and hospital reports
  • Stable weight
  • Active lifestyle