A reduction in the number of red blood cells due to blood loss, failure of the bone marrow to produce sufficient cells, or premature destruction of the cells.

Likely Underwriting Decision

Ratings depend on type of anemia. Decisions can range from Preferred to decline

Iron deficiency anemia: Preferred possible when fully investigated and no underlying condition identified

Aplastic anemia: Usually decline

Hemolytic anemia: Standard to 200%, but rating could be higher depending on type and severity

Factors Affecting the Decision

  • Type of anemia
  • Cause of anemia, if known
  • Treatment
  • Details of testing done and referrals to specialists (include dates, names of tests and doctors seen)
  • Blood test results
  • Medications
  • Any concurrent impairment

Fast Track the App


Fast Track:

  • Details of investigation and testing
  • Details of ongoing surveillance of the condition (including blood tests, electrophoresis)