Peripheral Artery Disease (PAD)/Peripheral Vascular Disease (PVD)

A disease resulting from the presence of systemic atherosclerosis mainly in the abdominal and lower extremity arteries.

Likely Underwriting Decision

Best Case: Standard Plus with a normal ABI score. Preferred is possible over age 60 with a normal ABI score, Non-Smoker and favorable risk factors

Typical Case: Clinical diagnosis of PAD, asymptomatic, no cardiac investigation, ongoing treatment, no ABI
Age 50-69: 200%
Age 70-79: 175%
Age 80+ : 150%

Worst Case:
Severe ABI: decline
Moderate ABI and under age 40: decline
Smoker: decline

Factors Affecting the Decision

  • Current age
  • Date of diagnosis
  • Medication/treatment
  • Response to medication treatment
  • Smoking status – if currently smoking this will have a greater impact on disease progression
  • Compliant with medical treatment and follow-up
  • Any concurrent impairment (e.g., CAD, CVD, diabetes, hypertension, build)

Fast Track the App

APS, paramed, EKG – selectively

Fast Track:

  • Copies of any vascular and cardiac investigation
  • Details of any ongoing symptoms
  • ABI score
  • Details of risk factor modification
  • Active lifestyle