Deep vein thrombosis is an insurable condition. There can be ratings or exclusions applied to the po...
Deep vein thrombosis is an insurable condition. There can be ratings or exclusions applied to the policy depending on the medical evidence.
Underwriters assess the condition based on the cause of the venous thrombosis, the extent and site, any damage to venous valves, and the risk of complications, such as pulmonary embolism.
The number of attacks an applicant has, whether or not a full recovery has been made, and whether the condition is secondary to any other underlying disease, all affect the decision.
In addition, insurers will look to see if the applicant is continuing anti-coagulant treatment or not.
If anti-coagulant therapy continues, providers will look to see how many attacks there were and when the last attack occurred.
Underwriters also take into account the fact that occupations involving long periods of standing may aggravate symptoms.
In these instances, an exclusion for disability income may be applied.
