Medical Impairments
Abnormal blood sugar
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Details required about date, history of diabetes, fasting blood sugar, other complications | Individual consideration | Individual consideration | Individual consideration |
Abnormal PAP
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Class I or II | Standard | Exclusion for cervical cancer | Exclusion for cervical cancer |
| Other | Synergy not available | ||
Alzheimer's Disease
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Synergy not available | |||
Anxiety, no time lost
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| No functional impairment and no other significant mental health impairment | Standard | Standard | 180-day waiting period and exclusion for anxiety/ depression |
Asthma
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Minimal or Mild | Standard | Standard | Standard |
| Moderate to Severe | Synergy not available | ||
Anemia
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Iron deficiency, fully investigated | Standard | Standard | Standard |
| Other | Individual consideration | If insurable for life: Standard | If insurable for life: Standard |
| Details required about type, status, treatment | |||
Attempted suicide
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Synergy not available | |||
ALS or other motor neuron disease
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Synergy not available | |||
Basal cell carcinoma
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Details required about date, stage, treatment, recurrence | Individual consideration | If insurable for life: Exclusion for malignant melanoma | If insurable for life: Exclusion for malignant melanoma |
Bleeding tendency
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Synergy not available | |||
Blindness
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| One or both eyes, depending on cause, duration, recurrence | Standard | Exclusion for blindness | Exclusion for blindness |
Blurred/double vision
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Details required about cause, duration, recurrence | Individual consideration | ||
Breasts
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Abnormal mammogram findings Details required about type, age at diagnosis, treatment, family history and follow up | Individual consideration | If insurable for life: Exclusion for breast and ovarian cancer | If insurable for life: Exclusion for breast and ovarian cancer |
| Cysts, lumps, other changes | Individual consideration | If insurable for life: Exclusion for breast and ovarian cancer | If insurable for life: Exclusion for breast and ovarian cancer |
Burnout
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Details required about symptoms, dates, duration, causes, treatment, recurrence and current status | Individual consideration | If insurable for life: Standard | If insurable for life: 180-day waiting period and exclusion for anxiety/depression |
Cancer or tumors
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Murmur: Details required about type, severity, date of diagnosis, symptoms, treatment, investigations | Individual consideration | If insurable for life: Exclusion for heart valve replacement | If insurable for life: Standard |
| Other | Synergy not available | ||
Cardiovascular (heart and blood vessels) disease
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Murmur: Details required about type, severity, date of diagnosis, symptoms, treatment, investigations | Individual consideration | If insurable for life: Exclusion for heart valve replacement | If insurable for life: Standard |
| Other | Synergy not available | ||
Cerebral Palsy
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Synergy not available | |||
Chronic fatigue
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Well defined, complete recovery > 2 years with no significant depression or time lost | Standard | Standard | 180 day waiting period and exclusion for anxiety/depression |
Chronic Obstructive Pulmonary Disease (COPD)
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Synergy not available | |||
Chronic or recurrent bronchitis
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Synergy not available | |||
Chronic pain
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Mild | Standard | Standard | 180 day waiting period and exclusion for anxiety/depression |
| Moderate | Synergy not available | ||
Cirrhosis
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Synergy not available | |||
Cognitive impairment
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Synergy not available | |||
Colitis
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Spastic | Standard | Standard | 180 day waiting period and exclusion for gastrointestinal tract diseases |
| Ulcerative | Standard | Exclusion for colon cancer | Exclusion for colon cancer |
| Mild, attack free, less than 5 years | Standard | Exclusion for colon cancer | Exclusion for colon cancer |
| Moderate, symptom-free > 5 years and age 45 and up | Standard | Exclusion for colon cancer | Exclusion for colon cancer |
Crohn's Disease
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Synergy not available | |||
Cystic Fibrosis
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Synergy not available | |||
Deafness
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Details required about cause, degree and unilateral or bilateral | Individual consideration | If insurable for life: Exclusion for deafness | If insurable for life: Exclusion for deafness |
Dementia
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Synergy not available | |||
Depression
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Mild, no time lost | Standard | Standard | 180 day waiting period and exclusion for anxiety/depression |
| Other | Individual consideration | If insurable for life: Standard | If insurable for life, 180 day waiting period and exclusion for anxiety/depression |
| Details required about symptoms, dates, duration, causes, treatment, recurrence and current status | Individual consideration | If insurable for life: Standard | If insurable for life, 180 day waiting period and exclusion for anxiety/depression |
Diabetes
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Gestational: If resolved after delivery, may be acceptable subject to review of prior history, treatment, build, and family history of diabetes or coronary artery disease | Individual consideration | If insurable for life: Standard | If insurable for life: Standard |
| Type I | Synergy not available | ||
| Type II | Synergy not available | ||
| Impaired Glucose Tolerance: Review of prior history of this condition, treatment, build, and family history of diabetes or coronary artery disease | Individual consideration | If insurable for life: Standard | If insurable for life: Standard |
Diverticulitis and Diverticulosis
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Well controlled | Standard | Standard | Exclusion for gastrointestinal tract diseases |
| Not well controlled | Synergy not available | ||
Dizziness/Fainting/Syncope
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Details required about date, cause, recurrence, investigation, treatment | Individual Consideration | ||
Down Syndrome
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Synergy not available | |||
Dysplastic Nevus
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Standard | Exclusion for malignant melanoma | If insurable: Exclusion for malignant melanoma | |
Dysplastic Nevus Syndrome
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Excellent follow up, no personal or family history of malignant melanoma | Standard | If insurable for life: Exclusion for malignant melanoma | If insurable: Exclusion for malignant melanoma |
Emphysema
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Synergy not available | |||
Epilepsy
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Absence seizure, onset > 2 years ago, well-controlled | Standard | Standard | 180 day waiting period |
| Major seizure > 2 years since last seizure | Standard | Standard | 180 day waiting period |
| All others | Synergy not available | ||
Fibromyalgia
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Well defined complete recovery > 2 years with no significant depression or time lost | Standard | Standard | 180 day waiting period and exclusion for anxiety/depression |
Gastrointestinal bleed
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Details required about investigation, source, dates, treatment | Individual consideration | If insurable for life: Exclusion for colon cancer | If insurable for life: Exclusion for colon cancer |
Glaucoma
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Under treatment and stable | Standard | Exclusion for blindness | Exclusion for blindness |
Gout
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Acute and mild, less than three attacks per year and no complications | Standard | Standard | Standard |
Hearing impaired
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Details required about cause, degree and unilateral or bilateral, assuming not progressive | Standard | Exclusion for deafness | Exclusion for deafness |
Hemophilia
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Synergy not available | |||
Hepatitis A
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Recovered, single mild attack, no residual problems | Standard | Standard | Standard |
Hepatitis B (Acute)
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Recovered > 6 months, single mild attack, no residual problems and normal liver function tests | Standard | Standard | Standard |
Hepatitis
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Other than above | Synergy not available | ||
High blood pressure
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Well controlled and compliant with medication | Standard | Standard | Standard |
| Not well controlled and/or not compliant | Synergy not available | ||
High cholesterol
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Well controlled and compliant with medication | Standard | Standard | Standard |
| Not well controlled and/or not compliant | Synergy not available | ||
Hyperthyroidism/Grave�s Disease
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Controlled | Standard | Standard | Standard |
| Uncontrolled | Synergy not available | ||
Hyperthyroidism
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Treated, controlled and no complications | Standard | Standard | Standard |
| Other | Synergy not available | ||
Injury or disorder of muscles, bones, joints, spine
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Details required about what, when, treatment, recurrence, any restrictions | Standard | Standard | Exclusion for joint/back and/or 180 day waiting period may be required |
Irritable Bowel Syndrome (IBS)
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| No ulceration or blood in stools | Standard | Standard | Exclusion for gastrointestinal tract diseases |
Jaundice
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Jaundice is more of a symptom than a unique disease | Individual consideration | ||
Kidney stone
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Unilateral, recovered | Standard | Standard | Standard |
| Other | Individual consideration | If insurable for life: Standard | If insurable for life: Standard |
| Require details about recurrence, 1 or both kidneys, complications, treatment | Individual consideration | If insurable for life: Standard | If insurable for life: Standard |
Labyrinthitis
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Acute, full recovery or chronic with a benign cause | Standard | Exclusion for deafness | Exclusion for deafness |
| Other | Individual consideration | ||
Leukemia
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Synergy not available | |||
Liver disease
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Synergy not available | |||
Loss of speech
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Details required about cause, investigation, treatment, complications | Individual consideration | If insurable for life, exclusion for loss of speech | If insurable for life, 180-day waiting period |
Lupus
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Synergy not available | |||
Mental impairment/retardation
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Synergy not available | |||
Migraines
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Mild to moderate < 20 days over three-month period | Standard | Standard | Standard |
Multiple Sclerosis
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Synergy not available | |||
Muscular Dystrophy
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Synergy not available | |||
Nephritis
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| One attack, fully recovered, no recurrence, normal kidney function test | Standard | Standard | Standard |
| Other | Individual consideration | If insurable for life: Standard | If insurable for life: Standard |
Optic Neuritis
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Up to two episodes, at least one year symptom free, with no other neurological deficits and MS investigation negative | Standard | Exclusion for MS | 180-day waiting period |
| Other | Synergy not available | ||
Osteoarthritis
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Mild or moderate, no significant impairment or restrictions | Standard | Standard | 180-day waiting period |
Pancreatitis
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Synergy not available | |||
Paralysis
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Synergy not available | |||
Parkinson's Disease
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Synergy not available | |||
Polycystic Kidney Disease
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Synergy not available | |||
Polyps/lesions
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Details required of when, type, treatment, follow up and family history | individual consideration | If insurable for, exclusion for specific cancer | If insurable for life: Exclusion for specific cancer |
Pregnancy
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Currently pregnant | Standard | Standard | Exclusion for pregnancy with reconsideration after returning to work full-time for at least three months |
| Maternity leave | Synergy not available: Reconsideration after returning to work full-time for at least three months | ||
Prostatitis
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Acute, recovered | Standard | Standard | Standard |
| Other: Details required of recurrence, PSA level | Individual consideration | If insurable for life: Standard | If insurable for life: Standard |
Psoriasis
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Mild to moderate | Standard | Standard | Standard |
Rheumatoid Arthritis
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Synergy not available | |||
Sarcoidosis
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Details required about type, organs impacted, treatment, symptoms, investigations | Individual consideration | If insurable for life: Standard | If insurable for life: 180-day waiting period |
Schizophrenia
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Synergy not available | |||
Scleroderma
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Diagnosis of morphea, generalized scleroderma ruled out, > 6 months | Standard | Standard | Standard |
| Other | Synergy not available | ||
Seizures/Convulsions
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Synergy not available | |||
Sight impaired
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Corrected to 20/200 or better, depending on cause | Standard | Exclusion for blindness | Exclusion for blindness |
Sleep apnea
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Mild, no complications | Standard | Standard | Standard |
| Mild, with complications or moderate to severe | Synergy not available | ||
Sugar or blood in urine
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Synergy not available | |||
Tinnitus
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Standard | Exclusion for deafness | 180-day waiting period and exclusion for deafness | |
Tremor
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Essential (documented and not suggestive of Parkinson's) | Standard | Standard | 180-day waiting period |
| Vertigo (no sign of ischemia) | Standard | Standard | Standard |
| Single attack, full recovery, after one year | Standard | Standard | Standard |
Tuberculosis
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Inactive > 1 year | Standard | Standard | Standard |
| Other | Synergy not available | ||
Ulcer
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Duodenal, gastric, peptic | Standard | Standard | Standard |
| Single episode, no bleeding, full recovery | Individual consideration | If insurable for life: Standard | If insurable for life: Exclusion for gastrointestinal tract diseases |
| Other | Individual consideration | If insurable for life: Standard | If insurable for life: Exclusion for gastrointestinal tract diseases |
Uterine fibroids
| Condition Type | Insurance Type | ||
|---|---|---|---|
| Life | Critical Illness | Disability | |
| Surgically treated with full recovery | Standard | Standard | Standard |
| Present, stable and confirmed by ultrasound | Standard | Exclusion for uterine cancer | Exclusion for cervical cancer |