Pulmonary Nodule

A small shadow found on chest x-ray that may be caused by a benign cyst, infection or abscess, or granuloma.

Likely Underwriting Decision

If any malignancy, refer to Lung Cancer

Pulmonary Nodule: Can be due to a benign cause. The underwriter must investigate thoroughly

  • Size of nodule less than or equal to 4 mm: Standard possible with no postpone; Preferred possible after 1 year of stability
  • Size of nodule >4 mm: postpone 1–2 years with CT scan follow up reports
  • Minimum two-year postpone for smokers.

Factors Affecting the Decision

  • Current age
  • Date of diagnosis
  • Any treatment
  • Date treatment completed
  • Benign pathology
  • Reduced/eliminated risk factors (e.g., smoking)
  • Any concurrent impairment (e.g., emphysema or chronic bronchitis)

Fast Track the App


Fast Track:

  • Copies of tests
  • Details of follow-up
  • Demonstrated stability of lesion