Family history

Illness or condition of an immediate family members (father, mother and siblings) that may lead to an increased risk of the insured contracting the same illness or a similar condition.

Things to consider

  • Insured age and gender
  • Nature of the condition
  • Number of family members with the same condition. The higher the number, the stricter the decision
  • Family member's age at diagnosis
  • Degree of relationship
  • Associated risk factors (e.g., smoker with a family history of coronary artery disease)

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Life

Cardiovascular disease history

1 family member with history:standard
More than 1 family member with history:standard or rated +50 to +75

Diabetes history

1 family member with history:generally standard
More than 1 family member with history:standard or rated +50

Cancer history

For a family history of breast or colon cancer: in some cases, the insurer may postpone the application if the person to be insured has not had a screening test.

1 family member with history:generally standard
More than 1 family member with history:standard, rated +50 or declined

Other history

Depending on the pathology

1 family member with history:standard, rated or declined
More than 1 family member with history:standard, rated or declined
Critical illness
Disability
Healthcare