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)
- Life
- Critical illness
- Disability
- Healthcare
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
|
Cardiovascular disease history
| 1 family member with history: | standard |
| More than 1 family member with history: | rated +50 to +100 or declined
|
Diabetes history
| 1 family member with history: | generally standard |
| More than 1 family member with history: | rated +25 to +50 or declined
|
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: | standard, rated +25 to +50 or with exclusion |
| More than 1 family member with history: | rated +25 to +100, with exclusion or declined |
Other history
Depending on the pathology
| 1 family member with history: | standard, rated and/or with exclusion or declined |
| More than 1 family member with history: | rated and/or with exclusion or declined |
Cardiovascular disease history
| 1 family member with history: | standard |
| More than 1 family member with history: | standard or rated +25 to +75
|
Diabetes history
| 1 family member with history: | generally standard |
| More than 1 family member with history: | rated +25 to +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: | rated +25 to +100, with exclusion or declined |
Other history
Depending on the pathology
| 1 family member with history: | standard, rated and/or with exclusion or declined |
| More than 1 family member with history: | rated and/or with exclusion or declined |