Guide to common medical conditions

Transcription

1 Guide to commo medical coditios Helpig you uderstad our uderwritig approach to the most commoly disclosed medical coditios Cacer Hypertesio Kidey stoes Metal health Sleep Apoea AMP Life Limited ABN AFSL No Alfred Street, Sydey NSW NS /06

2 We are committed to providig you with direct access to your uderwritig team Uderwritig ad New Busiess equiries Uderwritig Maagemet team Beradee Gordo Chief Uderwriter Warre Page Techical Uderwritig Maager Johae Taylor Traiig ad Developmet Hele Bergi easywrite Maager New Busiess Maagemet team Lyley Aderso New Busiess Maager Shao Lohse NSW Team Leader Brad Eagleso QLD/WA/SA/NT Team Leader Aliessa Cokli VIC/TAS Team Leader NSW Uderwritig team Fax Michelle Gill, Pricipal Maria Moagha Vic Bell (Mo,Thurs, Fri) Mady Phillips Pam Hauer Chris Schreurs VIC/TAS Uderwritig team Fax Grace Musico, Pricipal Craig Gay Christie Flood Jaelle De Visscher QLD/SA/WA/NT Uderwritig team Fax Michelle Gill, Pricipal Carol Wooldridge (Mo, Tues, Fri) My Hag Helga Basford Gia Zammit Jei Phela (Wed Fri) Liz Owe (Mo, Tues) Kevi Kha Where to sed applicatio forms AMP Operatios Cetre Reply Paid PARRAMATTA NSW 2124 Call Cetre cotacts AMP Customer Service Cetre Talk to your uderwritig team today Metal health Cacer Hypertesio Sleep Apoea Kidey stoes

3 Commo medical coditios is a chroic disease that affects a perso s airways. The airways are the tubes that carry air i ad out of your lugs. If asthma is preset, the iside walls of the airways are iflamed. The iflammatio makes the airways very sesitive, ad whe the airways react, they get arrower ad less air flows through to the lug tissue. Additioal mucus is also created. This causes symptoms such as wheezig, coughig, chest tightess ad trouble breathig, especially at ight ad i early morig. Importat facts I Australia i 2001, there were approximately 2.2 millio people with asthma (11% of males ad 13% of females). affects 10-12% of adults (approximately 1 i 10). Sice 1989 the death rate has decreased markedly, but the rate of asthma deaths i Australia is still high i compariso to other coutries. is oe of the most commo reasos for visitig a doctor, beig the 7th most frequetly maaged problem by geeral practitioers i I 2001, 18% of people with asthma reported havig days of reduced activity compared with oly 10% of people without asthma. Approximately oe-third to oe-half of adults with asthma have moderate or severe disease. Disturbed sleep is a commo problem amog both adults ad childre with asthma. People with asthma rate their health lower ad have worse health-related quality of life tha people without asthma. Metal health Cacer Hypertesio Sleep Apoea Kidey stoes

4 Uderwritig approach The uderwriter assesses a applicat lookig for sigs that their asthma is well cotrolled. These sigs iclude (but are ot limited to): Regular use of prevetative medicatio. No recet history of treatmet with oral steroids or hospitalisatio. Applicat is a o-smoker. is ot exacerbated by the applicat s occupatio. Applicat checks his/her peak flow with a favourable result. A well cotrolled asthmatic, with o adverse risk factors, will geerally be accepted at stadard rates. It is imperative that the asthma questioaire is completed i all situatios, ad i some cases, it may be ecessary for the uderwriter to request further medical evidece to support the applicatio. Refereces: i Australia: A Sapshot, 2001, Australia Bureau of Statistics Key Poits, i Australia 2005, Australia Istitute of Health ad Welfare The Figures. Foudatio of Victoria AMP Life Limited ABN AFSL No NS /06

5 Commo medical coditios The back is proe to a rage of problems, most of them caused by poor muscle toe, obesity ad lack of regular exercise. The most commo back problems iclude geeral backache, soft tissue ijuries, disc problems, sciatica, structural problems, ad those caused by fracture ad disease, such as arthritis, cacer ad osteoarthritis. The spie is made up of 32 boes called vertebrae that are stacked together to form a loose S shape. The cervical spie, located i the eck, comprises the top 7 vertebrae. Twelve vertebrae make up the thoracic spie (the ribcage area) ad 5 vertebrae comprise the lumbar regio (lower back). Fially, the remaiig boes make up the sacrum (which jois the spie to the pelvis) ad the coccyx (tail boe). Importat facts I 2001, 21% of the Australia populatio reported havig back pai as a log-term coditio. The most commo log-term coditio related to work ad caused by a ijury received while at work were back problems. I , back ijuries accouted for 25% of claims for o-fatal compesated ijuries which resulted i at least 10 days off work, makig the back the most commoly ijured part of the body. Secod oly to arthritis, chroic o-specific back pai is Australia s most debilitatig illess. It accouts for the greatest umber of days lost from work. Metal health Cacer Hypertesio Sleep Apoea Kidey stoes

6 Uderwritig approach Whe assessig a applicat who has a history of a back disorder, the uderwriter is cosiderig the risk of morbidity or disablemet, rather tha death or mortality. They will cosider the cliet s occupatio, the cause ad diagosis, severity ad occurrece of symptoms, results of ay relevat ivestigatios, treatmet ad the legth of ay time take off work. Ofte difficult to assess is the applicat that states that they do ot have a back coditio, however, they cotiue to receive chiropractic or physiotherapy treatmet/maiteace. These situatios are assessed o a idividual basis with the uderwriter cosiderig the cause, reaso for ad the legth of time sice the iitial coditio that precipitated the cosultatios to start with. The cliet s occupatio, coupled with severity ad occurrece of symptoms, will dictate whether a exclusio or a exteded waitig period ca apply to disability policies. Where a ijury to oe sectio of the spie, or surroudig area has occurred, eg disc prolapse or a localised sprai, it is possible to exclude oly the ijured area. Diseases of the spie are usually degeerative ad may spread to other areas. Where such a disease exists a full spie exclusio may apply. Usually the uderwriter will ot be able to review this type of exclusio. Refereces: Betterhealth.vic.gov.au backpai ABS Natioal Health Survey 2001, Ijuries ABS Australia Social Treds 2002, Health Risk Factors, work related ijuries ABS Musculoskeletal coditios i Australia, A sapshot 2001 Abc.et.au, Life Matters, Back pai maagemet AMP Life Limited ABN AFSL No NS /06

7 Commo medical coditios Cacer Cacer is defied as ay maligat growth or tumour caused by abormal ad ucotrolled cell divisio; it may spread to other parts of the body through the lymphatic system or the blood stream. Tumours ca be beig (ot cacer) or maligat (cacer). Beig tumours do ot spread outside their ormal boudary to other parts of the body. A maligat tumour is made up of cacer cells. Whe it first develops, this maligat tumour may be cofied to its origial site. This is kow as a cacer i situ (carcioma i situ). If these cells are ot treated, they may spread beyod their ormal boudaries ad ito surroudig tissues, becomig ivasive cacer. Importat facts 1 i 3 me ad 1 i 4 wome will be affected by cacer before the age of 75. Cacer is the leadig cause of death i Australia. Over the past 10 years, cacer rates have levelled off for me, but icreased by 7% for wome. The icrease i prevalece is attributable to lug cacer i wome, breast cacer, melaoma, prostate cacer ad mesothelioma. Prostate cacer is the most commo cacer i Australia me. For females, breast cacer is the most commo for all ages from 35 ad also the leadig cause of cacer death. 1 i 11 wome i Australia will develop breast cacer by the age of 75. About 1 i 100 wome will develop ovaria cacer at some time durig their life. Bowel cacer is the secod most commo cacer i both sexes combied. Metal health Cacer Hypertesio Sleep Apoea Kidey stoes

8 Importat facts cotiued Aroud 8,300 Australias are diagosed with lug cacer each year. Aroud 11,200 Australia me are diagosed with prostate cacer each year. A family history of melaoma, breast, bowel, ovaria or stomach cacer may icrease a perso s risk of developig cacer themselves. Effects ad complicatios associated with radiotherapy ad chemotherapy ofte occur years or decades after treatmet has ceased. Uderwritig approach Ay history of cacer will be assessed carefully by the uderwriter, with the assistace of pathology ad specialist reports. The uderwritig assessmet will deped o the type ad stagig of the cacer, the period of remissio ad also the extet ad type of treatmet. The uderwriter will also eed to see that the appropriate follow-ups have occurred. Discussig your cliet s case with the uderwriter prior to lodgig the applicatio will eable you to determie what medical evidece will be required. Referece: The Cacer Istitute of NSW AMP Life Limited ABN AFSL No NS /06

9 Commo medical coditios A perso s blood sugar levels are regulated with the help of isuli, a hormoe produced by the pacreas. occurs whe the body does ot produce eough isuli, is resistat to isuli, or both, resultig i high levels of sugar i the blood. The most commo types of diabetes are type 1 (isuli depedet), type 2 (usually o-isuli depedet) ad gestatioal (occurs durig pregacy). Importat facts is the 7th leadig cause of death i Australia % of people with diabetes will die of coroary heart disease. is the most commo cause of blidess i people uder the age of % of people with diabetes have heart disease compared to 2.5% without diabetes. is the leadig cause of kidey failure. 5% of people with diabetes will experiece foot ulcers. The followig are high risk categories for developig Type 2 diabetes: Over 45 years of age ad have high blood pressure. Over 45 years of age ad overweight. Over 45 years of age ad oe or more members of the family have/had diabetes. Over 55 years of age. Have/had high blood sugar levels durig pregacy (gestatioal diabetes). Have recorded a borderlie blood glucose level. Metal health Cacer Hypertesio Sleep Apoea Kidey stoes

10 Uderwritig approach The log-term complicatios of diabetes are a major cocer for the uderwriter, i particular whe assessig applicats for livig beefits, ie Icome Protectio ad Trauma isurace. Whe assessig a applicat with diabetes, the uderwriter will cosider the followig factors to create a holistic risk profile of the applicat: The type of diabetes they were diagosed with. At what age the applicat was diagosed. The type of treatmet ad how well cotrolled the diabetes is. Compliace with treatmet. The applicat s build, blood pressure, cholesterol ad smokig status. Whether there are ay other complicatios that may be associated with diabetes. Terms for isurace will vary cosiderably depedig o the type of isurace applied for ad the risk profile of the applicat. The uderwriter will iitially ask for a report from the applicat s treatig doctor ad i some cases a curret medical examiatio ad blood tests will also be required. Referece: facts Australia AMP Life Limited ABN AFSL No NS /06

11 Commo medical coditios has bee established as a well prove risk factor i a wide rage of cliical studies ad has bee used by uderwriters for may years. Uderwriters will geerally oly request family medical history about first degree relatives, but may o occasios seek a wider history where this may assist the assessmet of the risk. is used to idetify potetial medical ad lifestyle risks, o the basis of the probability that the applicat may be susceptible to certai familial or hereditary risks, which may be passed o from oe geeratio to aother. Importat facts About 1 perso i 10 whose acestry is Norther Europea or from the UK is thought to be a carrier of the gee for hereditary haemochromatosis About 50% of the Australasia populatio will, durig their lifetime, be adversely affected by a coditio with a geetic basis. I the first 25 years of life about 5% of the Australasia populatio will be affected by a illess, impairmet or disability either wholly or partly due to their iherited iformatio. Family members share a certai percetage of gees i commo, depedig o their relatioship, eg first degree relatives will have 50% of gees i commo, secod degree relative, will have 25% of gees i commo ad third degree relative, will have 12.5% of gees i commo. Metal health Cacer Hypertesio Sleep Apoea Kidey stoes

12 Uderwritig approach is oly oe of may factors used to assess a applicatio for isurace. It is used i cojuctio with a applicat s curret ad past medical history ad other factors such as their ow eviromet ad lifestyle. The followig are importat factors cosidered by the uderwriter whe assessig family medical history: The age of the applicat. The type of product applied for. The umber of first degree geetic relatives affected by the medical coditio ad their age at diagosis. The type of coditio ad its degree of iheritability, eg a perso with a first degree relative with a autosomal domiat disorder, has a 50% chace of iheritig the gee mutatio. The applicat s past ad curret medical history ad whether there are ay associated risk factors, eg a applicat with a family medical history of diabetes ad a persoal medical history of either hypertesio, obesity or hyperlipidaemia. Refereces: IFSA Family Medical History Policy, Backgroud Paper, 2005 The Cetre for Geetics Educatio, Fact Sheet 4, Geetic Coditios The Cetre for Geetics Educatio, Fact Sheet 1, Gees ad Chromosomes The Cetre for Geetics Educatio, Fact Sheet 36, Haemochromatosis AMP Life Limited ABN AFSL No NS /06

13 Commo medical coditios is oe of the most commo forms of arthritis or iflammatio of a joit. It most commoly affects the big toe joit (first metatarsophalageal joit), but ca affect ay joit. usually starts as a acute attack that ofte comes o overight. Withi hours there is usually severe pai ad swellig i the joit. is caused by a build-up of a waste product, uric acid, i the bloodstream. Uric acid is oe of the body s waste products, ad some people have aturally high levels of uric acid. Normally it is dissolved i the bloodstream, filtered out by the kideys ad excreted i urie. However, a build-up of uric acid may settle i the joits i the form of crystals, causig iflammatio ad pai. Importat facts Aroud 70,000 Australias have this form of arthritis. Most people with gout are male ad the average age for the first attack is somewhere betwee 40 ad 50 years. Uric acid ca also lodge i surroudig tissue or, i some cases, form stoes i the kidey or bladder. Chroic gout may progress to a poit where tophi develop i the ears, aroud joits ad i burse. Tophi occur whe the sodium urate levels i the blood become so high that sodium urate is deposited i the tissues ad produce a iflammatory foreig body. Complicatios as a result of gout iclude real failure, kidey stoes, hypertesio ad chroic gouty arthritis. Metal health Cacer Hypertesio Sleep Apoea Kidey stoes

14 Uderwritig approach A history of acute gout, without ay additioal risk factors, is looked upo favourably by the uderwriter, ad cover is usually accepted without ay restrictio or loadig. More frequet, or ogoig symptoms will require additioal medical evidece, ad the uderwriter will look at the cliet s risk profile ad the cause of the gout, otig the followig: The applicat s build. Severity of the coditio ad frequecy of attacks. Ay associated joit deformities. History of medicatios take, as some of the drugs used to treat high blood pressure ca precipitate a gouty attack. Refereces: epodiatry.com Departmet of Podiatry, Curti Uiversity Fact Sheet AMP Life Limited ABN AFSL No NS /06

15 Commo medical coditios Hypertesio Hypertesio, also kow as high blood pressure, is the pressure of the blood i the arteries as the heart pumps it aroud the body. Blood pressure does ot stay the same all the time it chages to meet the body s eeds. If the blood pressure remais high it ca cause serious problems, such as a heart attack, stroke, heart failure or kidey disease. Whe blood pressure is measured, it provides two readigs. The larger readig is the systolic readig which measures the heart whe it squeezes out the blood durig a beat, ad the smaller readig is called a diastolic readig, which measures the heart at rest. Importat facts High blood pressure is a major risk factor for stroke, heart disease, heart failure, peripheral vascular disease ad real failure. High blood pressure is more likely to develop i those who are overweight, physically iactive, or have a high dietary salt itake. High blood pressure is the most frequetly maaged problem i geeral practice i Australia. The prevalece of high blood pressure i Australia is approximately 28.6 for every 100 people. Of that 15.2 per 100 are utreated. Metal health Cacer Hypertesio Sleep Apoea Kidey stoes

16 Uderwritig approach For applicats with a history of hypertesio, the uderwriter will geerally obtai a report from their treatig doctor ad/or a Lifescree Express Check (refer to Explaatio of Medical Requiremets o page 12 of the Uderwritig Guide for details), to check the curret blood pressure readigs ad ay other risk factors that may exist, such as build. The ratigs will vary, but there will be situatios where stadard rates may be offered, if the followig criteria are met: Diagosis more tha 6 moths ago. The coditio has bee fully ivestigated. The uderlyig cause is ot of a serious ature (eg real problems). The applicat is compliat with treatmet, ad all readigs sice the itroductio of treatmet have bee ormal. Cliet is ot overweight, ad does ot have a history of raised cholesterol. There are o additioal cardiac risk factors. Referece: Heart Foudatio of Australia Blood pressure facts AMP Life Limited ABN AFSL No NS /06

17 Commo medical coditios Kidey stoes A key fuctio of the kideys is to filter ad separate substaces (chemicals) from the blood, which are the excreted as waste i the urie. If, however, certai chemical substaces build up i the kidey, a stoe is formed. The size of kidey stoes ca vary from beig as tiy as a grai of sad, or as large as a golf ball. They may be smooth or jagged ad are usually yellow or brow. Kidey stoes ca cause a blockage i the flow of urie, which ca damage, ad ca sometimes cause failure of the kidey. Kidey stoes also icrease the chace of uriary ad kidey ifectio that ca result i septicaemia if spread ito the blood stream. Importat facts: Kidey stoes are the most commo problems of the uriary tract. Kidey stoes are resposible for more tha 20,000 hospital admissios each year i Australia. About 4-8% of Australias will suffer from kidey stoes. The lifetime risk of developig kidey stoes is 1 i 10 for me, ad 1 i 35 for wome. After oe episode, the chace of recurrece is 5-10% each year. About 30-50% of people with a first kidey stoe will get a secod oe withi 5 years. Metal health Cacer Hypertesio Sleep Apoea Kidey stoes

18 Uderwritig approach The uderwriter will look at the umber of episodes that the applicat has suffered, whether or ot the kidey stoe(s) have bee passed or whether they are still preset. They will also ascertai whether there is a uderlyig cause, cosider results of ivestigatios ad ay complicatios as a result of the coditio. If the applicat presets a favourable profile, stadard rates may be offered, depedig o the type of cover applied for, ad the duratio sice the last symptoms. However, if the episodes are frequet, stoes are preset, or there are residual complicatios, the uderwriter will assess accordig to the idividual circumstaces of the applicat. Refereces: Fact Sheet, Kidey Stoes, Kidey Health Australia Kidey Stoes, The kidey ad disease of the kidey, Dept of Real Medicie, Royal North Shore Hospital AMP Life Limited ABN AFSL No NS /06

19 Commo medical coditios Metal health Metal health problems ca cause ad are associated with a wide rage of symptoms, both physical ad psychological. They preset themselves with varyig degrees of severity ad disability. Where may people will make a full ad complete recovery, others will experiece prologed periods of icapacity. A metal illess is a disorder that is ofte diagosed with the presece of certai symptoms over a specific period of time. There are may differet types of metal illess; they iclude depressio, axiety, bipolar ad schizophreia. Importat facts Up to 1 i 4 females ad 1 i 6 males will experiece depressio i their lifetime. Depressio is the leadig cause of suicide. Depressio is ofte ot recogised or treated. Axiety disorders are the most commo of all metal disorders. Of all disability costs i Australia, 27% are due to metal health problems. I year-olds, 60% of disability costs are due to metal health problems. Each year more Australias die by suicide tha o our roads. Depressio accouts for 6 millio full work days lost each year. Depressio is ow the most disablig illess i our commuity. Approximately 21.9% of idustry* Icome Protectio claim paymets for 2005 were for metal disorders. Approximately 19.6% of idustry* Total ad Permaet Disablemet claim paymets for 2005 were for metal disorders. Metal health Cacer Hypertesio Sleep Apoea Kidey stoes

20 Uderwritig approach The uderwritig of metal health coditios presets may challeges to the uderwriter. particularly whe assessig disability beefits such as Icome Protectio ad Total ad Permaet Disablemet. As each case is differet ad adequate medical iformatio is ofte difficult to obtai, uderwritig decisios will always differ from case to case. We will always offer terms where possible, cosiderig alterative terms whe the risk is ot cosidered a stadard risk. The uderwriter s ability to cosider terms will largely be reliat o the amout ad quality of iformatio provided withi the persoal statemet ad therefore it is crucial a fully documeted history is always provided. The uderwriter cosiders the followig factors whe assessig a applicat who presets with a history of a metal health coditio: Diagosis of the coditio icludig criteria used. The cause of the coditio if kow. Time sice coditio diagosed ad treatmet provided. Resposiveess ad compliace with treatmet ad ay ogoig sigs or symptoms or adverse side effects. Severity of the symptoms ad their impact o the idividual s ability to fuctio. Ay associated time off work. Past ad preset employmet history. Ay other associated medical coditios ad physical symptoms. Referece: Beyodblue Metal Health Coucil of Australia 2005 IFSA Metal Health Claims Survey (*14 out of 17 compaies surveyed, results reflect YTD as at September 2005) AMP Life Limited ABN AFSL No NS /06

21 Commo medical coditios Health problems ad cosequeces associated with obesity ad overweight iclude: Cardiovascular disease, high blood pressure ad stroke. Coditios associated with isuli resistace, such as type 2 diabetes. Certai forms of cacer icludig breast, colo ad prostate. Chroic musculoskeletal problems, osteoarthritis ad osteoporosis. Respiratory difficulties icludig sleep apoea. Body mass idex (BMI) is the most commoly used measure of body fat, based o a perso s height ad weight. It is calculated as a perso s weight i kilograms divided by the square of their height i metres. The World Health Orgaisatio has defied categories of BMI based o evidece of icreased risk of chroic disease ad mortality, classifyig a BMI of as overweight, a BMI of as obesity ad > 40 as morbid obesity. Importat facts I 2001 a estimated 7.3 millio Australia adults were overweight or obese, 58% of me ad 42% of wome aged 18 years ad over. The prevalece of obesity has doubled over the past 20 years. was associated with over 4 millio days lost from the workplace i Compared with people i the ormal-weight rage, obese wome are 115% more likely to die before age 70 years ad obese me are 81% more likely to die before age 70 years. Metal health Cacer Hypertesio Sleep Apoea Kidey stoes

22 Uderwritig approach Loadigs for obesity are determied based o a perso s age, the product applied for ad their BMI. A youger perso will geerally attract a loadig for their BMI before a older perso, ad products providig livig beefits, like Trauma ad Icome Protectio will attract a loadig for BMI before a policy for death cover. This is directly related to the icreased risk of cardiovascular disease ad morbidity associated with obesity, as well as the impact of obesity o youger ages. There are umerous risk factors that impact a idividual s predispositio to developig cardiovascular disease. These iclude high cholesterol, hypertesio, smokig ad impaired glucose tolerace. A perso that presets with a BMI that i isolatio does ot result i a loadig, may, if preseted with oe or more of these cardiovascular risk factors, result i a loadig beig applied, eg a applicat with hypertesio, is overweight ad has a family history of diabetes. Where the applicat has a BMI of 32 or greater, a Lifescree Express Check will automatically be required (please refer to Explaatio of Medical Requiremets o page 12 of the Uderwritig Guide for details). I the evet a Lifescree Express Check ca t be performed a full medical examiatio will be required. Refereces: World Health Orgaizatio - ad Overweight Australia Govermet, Departmet of Health ad Ageig, : Trimmig the Natio Heart Foudatio, Cardiovascular disease ad excess weight Fact Sheet The Relatioship betwee overweight, obesity ad cardiovascular disease, a literature review prepared for the Natioal Heart Foudatio of Australia, AIHW 2004 AMP Life Limited ABN AFSL No NS /06

23 Commo medical coditios Sleep apoea Sleep apoea, also kow as obstructive sleep apoea (OSA) is a coditio which occurs whe the muscles at the back of the throat ad togue relax durig sleep to the poit where they collapse. This obstructio causes the airways to block, ad breathig stops. After a few secods, the lack of oxyge rouses the perso ad breathig starts agai. This may occur up to several hudred times a ight, resultig i impaired cocetratio ad daytime fatigue to the extet where the sufferer will fall asleep at iappropriate times. If OSA is ot treated, there is a icreased risk of high blood pressure, heart disease, stroke ad MVA or work related accidets. A sleep study should be performed before a diagosis is made, which measures the body s oxyge levels, airflows, chest ad abdome movemets, heart, brai, muscle ad eye activity. Oce diagosed, treatmet may iclude weight reductio, a asal mask ad pump kow as a CPAP machie, or surgery. Importat facts Factors that may cotribute to OSA iclude obesity or weight gai, alcohol cosumptio ad certai medicatios such as sleepig tablets. 4 i 100 middle-aged me suffer from OSA. 2 i 100 middle aged wome suffer from OSA. Up to 48% of obese me ad 38% of obese wome suffer from OSA. OSA is as commo as adult asthma. Metal health Cacer Hypertesio Sleep Apoea Kidey stoes

24 Uderwritig approach Whe assessig a applicat with a history of OSA, the uderwriter will take ito accout the severity of the sleep apoea, the results of all sleep studies that have bee udertake (both pre- ad post-treatmet), the cause, the treatmet ad, of course, the level of compliace with the recommeded treatmet. They will also be iterested i the applicat s BMI ad curret blood pressure. Oe of the cocers for the uderwriter is whe a applicat is ot compliat with the treatmet, or the treatmet is ot successful. Geerally, a applicat with mild sleep apoea, o other ufavourable risk factors, ad is well treated, will be offered all types of cover with a miimal loadig. More severe cases, or if ufavourable risk factors are preset, the ratigs will vary, ad i some situatios, cover will ot be available o ay terms. Refereces: Moash Uiversity Obstructive Sleep Apoea, Losig weight for a better ight s sleep Australia Govermet Sleep Apoea Mayo Healthcare Australia About Obstructive Sleep Apoea AMP Life Limited ABN AFSL No NS /06