underwriting ruleset v0.1 29 august 2014 v2

8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2

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Table of contents2 Document history................................................................................................................6

3 Known data, codelists, filters, exclusions and loadings.............................................................

3.! Known data..................................................................................................................

3.!.! Known data............................................................................................................3.2 "odelists......................................................................................................................#

3.2.! $verview...............................................................................................................#

3.2.2 %ngina diagnosis.....................................................................................................#

3.2.3 Dia&etes diagnosis..................................................................................................'

3.2.( Diving de)th...........................................................................................................'

3.2.* E)ile)sy last seizure timeframes...............................................................................'

3.2.6 +amily history num&er of relatives...........................................................................!

3.2. -ariuana fre/uency of use.....................................................................................!

3.2.# 0ulmonary em&olism last occurrence.......................................................................!

3.2.' 1oc clim&ing grade...............................................................................................!!

3.2.! 1oc clim&ing location&asis...................................................................................!!

3.2.!! 4y diving num&er of um)s...................................................................................!!

3.2.!2 5es, no, unnown o)tions.......................................................................................!2

3.3 "om)uted filters..........................................................................................................!3

3.3.! $verview..............................................................................................................!3

3.3.2 -7 is 3( or higher................................................................................................!3

3.3.3 -7 is &etween and 33........................................................................................!(

3.3.( -7 with treatment for ris factors..........................................................................!(

3.3.* Diving and caving)otholingwrec divesretrievals....................................................!*

3.3.6 E)ile)sy with side effects........................................................................................!*

3.3. 8eartcardio condition disclosed..............................................................................!*

3.3.# 8igh &lood )ressure, cholesterol or dia&etes.............................................................!6

3.3.' -edical condition disclosed.....................................................................................!6

3.3.! 0ulmonary em&olism and multi)le e)isodes..............................................................!

3.3.!! 1oc clim&ing in %ustralia only................................................................................!

3.( Exclusions..................................................................................................................!#3.(.! $verview..............................................................................................................!#

3.(.2 %&seiling..............................................................................................................!#

3.(.3 Diving..................................................................................................................!'

3.(.( -otor car racing....................................................................................................2

3.(.* -ountain clim&ing.................................................................................................2!

3.(.6 4y diving............................................................................................................22

( 9uestions and actions........................................................................................................23

(.! %))lication for insurance..............................................................................................23

(.!.! :oring hour and hazardous activitiess)orts...........................................................23

(.2 7nsurance, occu)ation and activities...............................................................................2*

(.2.! 0revious and existing insurance...............................................................................2*

(.2.2 $ccu)ation ; overview...........................................................................................26

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(.2.3 $ccu)ation < hazardous duties................................................................................2#

(.2.( $ccu)ation < hazardous industries..........................................................................32

(.2.* 8azardous activitiess)orts ; overview.....................................................................33

(.2.6 8azardous activitiess)orts ; )rofessional.................................................................3#

(.2. 8azardous activitiess)orts ; a&seiling.....................................................................3'(.2.# 8azardous activitiess)orts ; aviation.......................................................................3'

(.2.' 8azardous activitiess)orts < &ase um)ing..............................................................(2

(.2.! 8azardous activitiess)orts ; diving.........................................................................(2

(.2.!! 8azardous activitiess)orts < motorcycle riding or racing............................................(3

(.2.!2 8azardous activitiess)orts < motorcar s)orts =other than motorcycling>......................(6

(.2.!3 8azardous activitiess)orts < mountain clim&ing.......................................................*

(.2.!( 8azardous activitiess)orts < roc clim&ing...............................................................*!

(.2.!* 8azardous activitiess)orts < sydiving....................................................................*2

(.2.!6 8azardous activitiess)orts < non;contact s)orts.......................................................*3

(.2.! 8azardous activitiess)orts < contact s)orts.............................................................*3

(.2.!# 8azardous activitiess)orts < other hazardous )astimes.............................................*3

(.3 ?ifestyle.....................................................................................................................**

(.3.! 8eight and weight-7...........................................................................................**

(.3.2 ?ifestyle ; overseas travelresidency........................................................................*

(.3.3 ?ifestyle ; alcohol, medication, drugs, stimulants, sedatives and tran/uilisers...............*#

(.3.( ?ifestyle < recreational drug use..............................................................................6!

(.( -edical history............................................................................................................6

(.(.! -edical history ; overview......................................................................................6

(.(.2 -edical history < res)iratory ; asthma.....................................................................#(

(.(.3 -edical history < res)iratory ; &ronchitis..................................................................#*

(.(.( -edical history < res)iratory ; "hronic 0ulmonary $&structive Disease ="$0D>.............#6

(.(.* -edical history < res)iratory ; em)hysema...............................................................#

(.(.6 -edical history < res)iratory ; )ulmonary em&olism..................................................##

(.(. -edical history < res)iratory ; slee) a)noea.............................................................'!

(.(.# -edical history < res)iratory ; tu&erculosis...............................................................'3

(.(.' -edical history < res)iratory ; )neumonia................................................................'((.(.! -edical history < res)iratory ; )leurisy.....................................................................'*

(.(.!! -edical history < res)iratory ; other lung or res)iratory condition................................'6

(.(.!2 -edical history < cardio ; high &lood )ressurehy)ertension.......................................'#

(.(.!3 -edical history < cardio ; high cholesterol..............................................................!2

(.(.!( -edical history < cardio ; chest )ain......................................................................!*

(.(.!* -edical history < cardio ; angina...........................................................................!

(.(.!6 -edical history < cardio < heart )al)itations or murmur...........................................!'

(.(.! -edical history < cardio < heart attac...................................................................!!!

(.(.!# -edical history < cardio < heart diseasecoronary artery disease ="%D>......................!!3

(.(.!' -edical history < cardio < heart surgery =including valve re)lacement, stent or &y)ass !!*

(.(.2 -edical history < cardio < dee) vein throm&osis =D@A>.............................................!!

(.(.2! -edical history < cardio < iron deficient anaemia.....................................................!!'

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(.(.22 -edical history < cardio < haemochromatosis..........................................................!2

(.(.23 -edical history < cardio < other heart, &lood or vascular disorder..............................!22

(.(.2( -edical history < cancer < &reast cancer................................................................!2(

(.(.2* -edical history < cancer < &owel cancer.................................................................!26

(.(.26 -edical history < cancer < )rostate cancer..............................................................!2(.(.2 -edical history < cancer < gastro;intestinal cancer =including stomach, liver, idney or)ancreas>.......................................................................................................................!2#

(.(.2# -edical history < cancer < sin cancer or melanoma................................................!2'

(.(.2' -edical history < cancer < &rain tumour.................................................................!3!

(.(.3 -edical history < cancer < other cancer or tumour...................................................!33

(.(.3! -edical history < meta&olic < Ay)e 7 or insulin de)endent dia&etes............................!3*

(.(.32 -edical history < meta&olic < Ay)e 77 or non;insulin de)endent dia&etes.....................!3#

(.(.33 -edical history < meta&olic < gestational or )regnancy;related dia&etes.....................!(

(.(.3( -edical history < meta&olic < im)aired glucose tolerance..........................................!(!(.(.3* -edical history < meta&olic < raised &lood sugar.....................................................!(3

(.(.36 -edical history < meta&olic < meta&olic syndrome...................................................!(*

(.(.3 -edical history < digestive < &ladder stones............................................................!(

(.(.3# -edical history ; digestive < gall stones..................................................................!(#

(.(.3' -edical history < digestive < gall &ladder................................................................!('

(.(.( -edical history < digestive < &owel cancer..............................................................!*

(.(.(! -edical history < digestive < &owel )oly)s..............................................................!*2

(.(.(2 -edical history < digestive < coeliac disease...........................................................!*3

(.(.(3 -edical history < digestive < "rohnBs disease..........................................................!**

(.(.(( -edical history < digestive < diverticulitis...............................................................!*6

(.(.(* -edical history < digestive < irrita&le &owel syndrome.............................................!*#

(.(.(6 -edical history < digestive < )ancreatitis................................................................!*'

(.(.( -edical history < digestive < ulcerative colitis..........................................................!6!

(.(.(# -edical history < digestive < a&normal liver function................................................!62

(.(.(' -edical history < digestive < cirrhosis of the liver....................................................!63

(.(.* -edical history < digestive < fatty liver...................................................................!6*

(.(.*! -edical history < digestive < he)atitis....................................................................!66

(.(.*2 -edical history < digestive < glomerulone)hritis......................................................!6'

(.(.*3 -edical history < digestive < idney stones.............................................................!

(.(.*( -edical history < digestive < idney disease, idney failure or im)ared idney function !2

(.(.** -edical history < digestive < 0olycystic Kidney Disease =0KD>...................................!3

(.(.*6 -edical history < digestive < congenital a&normality of the idney.............................!(

(.(.* -edical history < digestive < organ trans)lant reci)ient............................................!6

(.(.*# -edical history < digestive < gastric, )e)tic or duodenal ulcer...................................!

(.(.*' -edical history < digestive < hiatus hernia..............................................................!#

(.(.6 -edical history < digestive < gastro;oeso)hageal reflux =C$1D>, heart&urn or indigestion!'

(.(.6! -edical history < digestive < other condition of the &ladder, &owel, colon, )ancreas, liver,idney or stomach...........................................................................................................!#2

(.(.62 -edical history < neurological ; e)ile)sy.................................................................!#3

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(.(.63 -edical history < neurological ; seizure..................................................................!#6

(.(.6( -edical history < neurological ; stroe....................................................................!##

(.(.6* -edical history < neurological < transient ischaemic attac =A7%>...............................!#'

(.(.66 -edical history < neurological < multi)le sclerosis....................................................!'

(.(.6 -edical history < neurological ; )aralysis................................................................!'!(.(.6# -edical history < neurological < 0arinsonBs disease.................................................!'2

(.(.6' -edical history < neurological < %lzheimerBs disease or dementia...............................!'(

(.(. -edical history < neurological ; tremor...................................................................!'*

(.(.! -edical history < neurological < other neurological or &rain disorder..........................!'

(.(.2 -edical history < mental health ; de)ression, anxiety, stress or )anic disorder............!'#

(.(.3 -edical history < mental health < &i)olar disorder =or mania>, schizo)hrenia, )ost

traumatic stress disorder =0A4D>, )sychosis, anorexia nervosa or &ulimia...............................!''

(.* +amily medical history................................................................................................2

(.*.! +amily medical history < overview.........................................................................2(.*.2 +amily medical history ; cardiomyo)athy................................................................2!

(.*.3 +amily medical history < 8untingtonBs chorea..........................................................22

(.*.( +amily medical history < motor neuron disease.......................................................22

(.*.* +amily medical history < genetic test......................................................................23

(.6 8os)italisation, consultations and )rescri&ed medication................................................2(

(.6.! "onsultations and medication < overview...............................................................2(

(.6.2 "onsultations and medication < hos)italisation........................................................26

(.6.3 "onsultations and medication < doctor or health )rofessional consultation..................2

(.6.( "onsultations and medication < )rescri&ed medication.............................................2#

(.6.* "onsultations and medication < Castro;oeso)hageal reflux =C$1D> heart&urn orindigestion......................................................................................................................2'

(.6.6 "onsultations and medication < im)airment of sight or hearing.................................2!

(.6. "onsultations and medication < inury to the &ac, nec or s)ine...............................2!2

(.6.# "onsultations and medication < inury to any oint or lim&, including muscles, ligamentand tendons....................................................................................................................2!2

(.6.' "onsultations and medication < )regnancy.............................................................2!3

(.6.! "onsultations and medication < sin disorder ; acne................................................2!(

(.6.!! "onsultations and medication < sin disorder ; dermatitis.........................................2!((.6.!2 "onsultations and medication < sin disorder ; eczema............................................2!*

(.6.!3 "onsultations and medication < sin disorder ; )soriasis...........................................2!6

(.6.!( "onsultations and medication < sin disorder < any other sin condition, including any

form of melanoma, cyst, unidentified lum) or growth...........................................................2!

(.6.!* "onsultations and medication < any other reason for any hos)italisation, consultation or

medication......................................................................................................................2!#

(. 4eeing advice or consultation, or awaiting treatment....................................................2!'

(..! 4eeing advice or awaiting treatment ; overview.....................................................2!'

(..2 4eeing advice or awaiting treatment < intending on seeing advice..........................2!'

(..3 4eeing advice or awaiting treatment < awaiting medical treatment...........................22

(..( 4eeing advice or awaiting treatment < awaiting test results.....................................22!

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Document history

Desc

ription

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Known data, codelists, filters, exclusions and loadins

1!1 Known data

1!1!1 Known data

Dr

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Knowndat

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1!2 #odelists

1!2!1 $%er%iew

Dr

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"

od

elists

1!2!2 &nina dianosis

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deli

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0age ' of 277


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1!2!3 Diabetes dianosis

D

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t"odelists

1!2!4 Di%in depth

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"

odelists

1!2!5 (pilepsy last sei)ure timeframes

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"

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o

deli

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1!2!" amily history number of relati%es

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t"odelists

1!2!7 -ari.uana fre/uency of use

Draf t

"odeli

sts

1!2!' 0ulmonary embolism last occurrence

Draf

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"od

elist

0age 11 of 277


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s

0age 12 of 277


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1!2!* oc climbin rade

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f

t"odelists

1!2!1+oc climbin locationbasis

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odelists

1!2!11y di%in number of .umps

D

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"od

0age 13 of 277


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eli

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0age 14 of 277


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1!2!12es, no, unnown options

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t"odelists

0age 15 of 277


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1!3 #omputed filters

1!3!1 $%er%iew

Dr

af

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"

om

)uterfilters

1!3!2 6- is 34 or hiher

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0age 17 of 277


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1!3!3 6- is between + and 33

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1!3!4 6- with treatment for ris factors

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m)uter

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0age 1' of 277


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0age 1* of 277


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1!3!5 Di%in and ca%inpotholinwrec di%esretrie%als

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ra

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t"om)uterfilte

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1!3!" (pilepsy with side effects

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"om)ut

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ters

1!3!7 8eartcardio condition disclosed

0age 2+ of 277


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om)uterfilters

0age 21 of 277


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1!3!' 8ih blood pressure, cholesterol or diabetes

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1!3!* -edical condition disclosed

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0age 23 of 277


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1!3!1+0ulmonary embolism and multiple episodes

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t"om)uterfilte

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1!3!11oc climbin in &ustralia only

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erfilters

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0age 25 of 277


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1!4 (xclusions

1!4!1 $%er%iew

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Exclusi

ons

1!4!2 &bseilin

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1!4!3 Di%in

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tExclusions

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1!4!4 -otor car racin

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1!4!5 -ountain climbin

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Exc

lusi

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1!4!" y di%in

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tExclusions

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9uestions and actions

1!5 &pplication for insurance

1!5!1 :orin hour and ha)ardous acti%itiessports

Dra

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sura

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9uestion detail

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1!" nsurance, occupation and acti%ities

1!"!1 0re%ious and existin insurance

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acti

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1!"!2 $ccupation ; o%er%iew

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1!"!3 $ccupation < ha)ardous duties

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1!"!4 $ccupation < ha)ardous industries

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andactiviti

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1!"!5 8a)ardous acti%itiessports ; o%er%iew

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occu

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1!"!" 8a)ardous acti%itiessports ; professional

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1!"!7 8a)ardous acti%itiessports ; abseilin

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1!"!' 8a)ardous acti%itiessports ; a%iation

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su

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1!"!* 8a)ardous acti%itiessports < base .umpin

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1!"!1+8a)ardous acti%itiessports ; di%in

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1!"!118a)ardous acti%itiessports < motorcycle ridin or racin

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1!"!128a)ardous acti%itiessports < motorcar sports =other than motorcyclin>

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1!"!138a)ardous acti%itiessports < mountain climbin

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1!"!148a)ardous acti%itiessports < roc climbin

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1!"!158a)ardous acti%itiessports < sydi%in

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1!"!1"8a)ardous acti%itiessports < non;contact sports

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t7nsurance,occu)

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1!"!178a)ardous acti%itiessports < contact sports

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sura

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0age "' of 277


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vi

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1!"!1'8a)ardous acti%itiessports < other ha)ardous pastimes

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surance,occu

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1!7 ?ifestyle

1!7!1 8eiht and weiht6-

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1!7!2 ?ifestyle ; o%erseas tra%elresidency

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1!7!3 ?ifestyle ; alcohol, medication, drus, stimulants, sedati%es and tran/uilisers

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1!7!4 ?ifestyle < recreational dru use

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1!' -edical history

1!'!1 -edical history ; o%er%iew

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1!'!2 -edical history < respiratory ; asthma

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t-edicalhistor

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1!'!3 -edical history < respiratory ; bronchitis

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1!'!4 -edical history < respiratory ; #hronic 0ulmonary $bstructi%e Disease =#$0D>

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t-edicalhistor

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1!'!5 -edical history < respiratory ; emphysema

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t-edicalhistor

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1!'!" -edical history < respiratory ; pulmonary embolism

Dra

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history

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1!'!7 -edical history < respiratory ; sleep apnoea

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0age 111 of 277


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1!'!' -edical history < respiratory ; tuberculosis

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t-edicalhistor

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1!'!1+-edical history < respiratory ; pleurisy

Dr

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1!'!11-edical history < respiratory ; other lun or respiratory condition

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a

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1!'!12-edical history < cardio ; hih blood pressurehypertension

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1!'!13-edical history < cardio ; hih cholesterol

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1!'!14-edical history < cardio ; chest pain

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1!'!1"-edical history < cardio < heart palpitations or murmur

D

ra

f

t-edicalhistor

y

0age 131 of 277


133/277


134/277

1!'!17-edical history < cardio < heart attac

Draf t

-e

dica

lhistory

0age 133 of 277


135/277

0age 134 of 277


136/277

1!'!1'-edical history < cardio < heart diseasecoronary artery disease =#&D>

D

ra

f t

-e

dica

lhistory

0age 135 of 277


137/277

0age 13" of 277


138/277

0age 137 of 277


139/277

1!'!1*-edical history < cardio < heart surery =includin %al%e replacement, stent or

bypass

Dr

a

f t

-edicalhist

ory

0age 13' of 277


140/277

0age 13* of 277


141/277

1!'!2+-edical history < cardio < deep %ein thrombosis =D@T>

Dr

a

f t

-edicalhist

ory

0age 14+ of 277


142/277

0age 141 of 277


143/277

1!'!21-edical history < cardio < iron deficient anaemia

Dr

af

t

-

edi

calhist

ory

0age 142 of 277


144/277

0age 143 of 277


145/277

1!'!22-edical history < cardio < haemochromatosis

Dra

f t

-e

dica

lhist

ory

0age 144 of 277


146/277

0age 145 of 277


147/277

0age 14" of 277


148/277

1!'!23-edical history < cardio < other heart, blood or %ascular disorder

D

ra

f

t-edicalhistor

y

0age 147 of 277


149/277

0age 14' of 277


150/277

1!'!24-edical history < cancer < breast cancer

D

ra

f

t-edicalhistor

y

0age 14* of 277


151/277

0age 15+ of 277


152/277

1!'!25-edical history < cancer < bowel cancer

D

ra

f

t-edicalhistor

y

0age 151 of 277


153/277

0age 152 of 277


154/277

1!'!2"-edical history < cancer < prostate cancer

D

ra

f

t-edicalhistor

y

0age 153 of 277


155/277

0age 154 of 277


156/277

1!'!27-edical history < cancer < astro;intestinal cancer =includin stomach, li%er,

idney or pancreas>

Dr

a

f t

-edicalhist

ory

0age 155 of 277


157/277

0age 15" of 277


158/277

1!'!2'-edical history < cancer < sin cancer or melanoma

D

ra

f

t-edicalhistor

y

0age 157 of 277


159/277

0age 15' of 277


160/277

1!'!2*-edical history < cancer < brain tumour

Dra

f t

-e

dica

lhistory

0age 15* of 277


161/277


162/277

0age 1"1 of 277


163/277


164/277

0age 1"3 of 277


165/277

1!'!31-edical history < metabolic < Type or insulin dependent diabetes

D

ra

f

t-edicalhistor

y

0age 1"4 of 277


166/277

0age 1"5 of 277


167/277

0age 1"" of 277


168/277

1!'!32-edical history < metabolic < Type or non;insulin dependent diabetes

D

ra

f

t-edicalhistor

y

0age 1"7 of 277


169/277

0age 1"' of 277


170/277

1!'!33-edical history < metabolic < estational or prenancy;related diabetes

D

raf t

-edicalhi

stor

y

0age 1"* of 277


171/277

1!'!34-edical history < metabolic < impaired lucose tolerance

D

r

af t

-e

0age 17+ of 277


172/277

di

cal

hist

or

y

0age 171 of 277


173/277

0age 172 of 277


174/277

1!'!35-edical history < metabolic < raised blood suar

D

ra

f

t-edicalhistor

y

0age 173 of 277


175/277

0age 174 of 277


176/277

1!'!3"-edical history < metabolic < metabolic syndrome

D

ra

f

t-edicalhistor

y

0age 175 of 277


177/277

0age 17" of 277


178/277

1!'!37-edical history < diesti%e < bladder stones

D

ra

f

t-edicalhistor

y

0age 177 of 277


179/277

1!'!3'-edical history ; diesti%e < all stones

Dr

af

t

-

edi

calhistory

0age 17' of 277


180/277

1!'!3*-edical history < diesti%e < all bladder

D

ra

f t

-

edicalhistor

y

0age 17* of 277


181/277

1!'!4+-edical history < diesti%e < bowel cancer

D

0age 1'+ of 277


182/277

r

af

t

-

e

dicalhistory

0age 1'1 of 277


183/277

0age 1'2 of 277


184/277

1!'!41-edical history < diesti%e < bowel polyps

D

ra

f

t-edicalhistor

y

0age 1'3 of 277


185/277

1!'!42-edical history < diesti%e < coeliac disease

Draf t

-e

dica

lhi

story

0age 1'4 of 277


186/277

0age 1'5 of 277


187/277

0age 1'" of 277


188/277

1!'!43-edical history < diesti%e < #rohnAs disease

D

ra

f

t-edicalhistor

y

0age 1'7 of 277


189/277

1!'!44-edical history < diesti%e < di%erticulitis

D

raf t

-edica

lhi

stor

y

0age 1'' of 277


190/277

0age 1'* of 277


191/277

1!'!45-edical history < diesti%e < irritable bowel syndrome

D

ra

f

t-edicalhistor

y

0age 1*+ of 277


192/277

1!'!4"-edical history < diesti%e < pancreatitis

Dra

f t

-e

dica

lhi

story

0age 1*1 of 277


193/277

0age 1*2 of 277


194/277

1!'!47-edical history < diesti%e < ulcerati%e colitis

D

ra

f

t-edicalhistor

y

0age 1*3 of 277


195/277

1!'!4'-edical history < diesti%e < abnormal li%er function

D

ra

f t

-edicalhi

stor

y

0age 1*4 of 277


196/277


197/277

0age 1*" of 277


198/277


199/277

1!'!51-edical history < diesti%e < hepatitis

Draf t

-edicalhi

st

ory

0age 1*' of 277


200/277

0age 1** of 277


201/277

0age 2++ of 277


202/277

0age 2+1 of 277


203/277

1!'!52-edical history < diesti%e < lomerulonephritis

D

ra

f

t-edicalhistor

y

0age 2+2 of 277


204/277

1!'!53-edical history < diesti%e < idney stones

Draf

t

-

edi

calhist

ory

0age 2+3 of 277


205/277

0age 2+4 of 277


206/277

0age 2+5 of 277


207/277

1!'!54-edical history < diesti%e < idney disease, idney failure or impared idney

function

Dr

a

f t

-edicalhist

ory

0age 2+" of 277


208/277

1!'!55-edical history < diesti%e < 0olycystic Kidney Disease =0KD>

Draf t

-edi

cal

history

0age 2+7 of 277


209/277

1!'!5"-edical history < diesti%e < conenital abnormality of the idney

D

raf t

-e

dica

lhistor

y

0age 2+' of 277


210/277

0age 2+* of 277


211/277

1!'!57-edical history < diesti%e < oran transplant recipient

D

ra

f

t-edicalhistor

y

0age 21+ of 277


212/277

0age 211 of 277


213/277

1!'!5'-edical history < diesti%e < astric, peptic or duodenal ulcer

D

ra

f

t-edicalhistor

y

0age 212 of 277


214/277

1!'!5*-edical history < diesti%e < hiatus hernia

Draf t

-e

dica

lhi

story

0age 213 of 277


215/277

1!'!"+-edical history < diesti%e < astro;oesophaeal reflux =B$D>, heartburn or

indiestion

Dr

af t

0age 214 of 277


216/277

-

edi

cal

hi

story

0age 215 of 277


217/277

0age 21" of 277


218/277

1!'!"1-edical history < diesti%e < other condition of the bladder, bowel, colon,

pancreas, li%er, idney or stomach

Dr

a

f t

-edicalhist

ory

0age 217 of 277


219/277

1!'!"2-edical history < neuroloical ; epilepsy

Draf

t

-

edi

cal

history

0age 21' of 277


220/277

0age 21* of 277


221/277

0age 22+ of 277


222/277

1!'!"3-edical history < neuroloical ; sei)ure

Dr

a

f t

-edicalhist

ory

0age 221 of 277


223/277


224/277

1!'!"4-edical history < neuroloical ; stroe

D

ra

f

t-edicalhistor

y

0age 223 of 277


225/277

1!'!"5-edical history < neuroloical < transient ischaemic attac =T&>

D

ra

f

t-edicalhistor

y

0age 224 of 277


226/277

1!'!""-edical history < neuroloical < multiple sclerosis

Dr

af

t

-

edi

calhistor

y

0age 225 of 277


227/277

0age 22" of 277


228/277

1!'!"7-edical history < neuroloical ; paralysis

Dra

f t

-e

dica

lhistory

0age 227 of 277


229/277

1!'!"'-edical history < neuroloical < 0arinsonAs disease

Dra

f t

-e

dica

l

history

0age 22' of 277


230/277

0age 22* of 277


231/277

0age 23+ of 277


232/277

1!'!"*-edical history < neuroloical < &l)heimerAs disease or dementia

D

ra

f

t-edicalhistor

y

0age 231 of 277


233/277

1!'!7+-edical history < neuroloical ; tremor

D

ra

f

t-edicalhistor

y

0age 232 of 277


234/277

0age 233 of 277


235/277

0age 234 of 277


236/277

1!'!71-edical history < neuroloical < other neuroloical or brain disorder

D

ra

f

t-edicalhistor

y

0age 235 of 277


237/277


238/277

0age 237 of 277


239/277

1!'!73-edical history < mental health < bipolar disorder =or mania>, schi)ophrenia,

post traumatic stress disorder =0TD>, psychosis, anorexia ner%osa or bulimia

Dr

a

f t

-edicalhist

ory

0age 23' of 277


240/277

1!* amily medical history

1!*!1 amily medical history < o%er%iew

Dr

af

t

+a

mily

medicalhi

stor

y

0age 23* of 277


241/277

0age 24+ of 277


242/277

1!*!2 amily medical history ; cardiomyopathy

D

ra

f

t+amilymedical

hist

or

y

0age 241 of 277


243/277


244/277

m

ilym

edi

ca

lhistory

1!*!5 amily medical history < enetic test

D

raf t

+amilymedi

cal

history

0age 243 of 277


245/277

0age 244 of 277


246/277

1!1+ 8ospitalisation, consultations and prescribed medication

1!1+!1#onsultations and medication < o%er%iew

Dr

af

t

8

os)i

talisation,co

nsul

tati

onsand)rescr

i&e

dmedication

0age 245 of 277


247/277

0age 24" of 277


248/277

0age 247 of 277


249/277

1!1+!2#onsultations and medication < hospitalisation

Dr

af

t

8

os)italis

ation,co

nsul

tationsan

d)r

escr

i&

0age 24' of 277


250/277

e

dm

edi

ca

tion

1!1+!3#onsultations and medication < doctor or health professional consultation

D

raf t

8

0age 24* of 277


251/277

os

)ita

lisat

io

n,consultatio

nsa

nd)r

escri&ed

me

dication

0age 25+ of 277


252/277

1!1+!4#onsultations and medication < prescribed medication

Draf t

8

os)i

talis

atio

n,consultations

an

d)rescri&edm

e

dication

0age 251 of 277


253/277

1!1+!5#onsultations and medication < Bastro;oesophaeal reflux =B$D> heartburnor indiestion

Dr

af

t

8

os

)italisation,consul

tati

o

nsand)r

0age 252 of 277


254/277

es

cri&

ed

m

edication

0age 253 of 277


255/277

1!1+!"#onsultations and medication < impairment of siht or hearin

D

ra

f t

0age 254 of 277


256/277

8

os)i

talis

at

ion,consultati

ons

and

)rescri&e

dm

edication

0age 255 of 277


257/277


258/277

1!1+!7#onsultations and medication < in.ury to the bac, nec or spine

D

ra

f

t8os)italisation,

cons

ul

tationsand

)res

cri&e

dmedica

tio

n

0age 257 of 277


259/277

1!1+!'#onsultations and medication < in.ury to any .oint or limb, includin muscles,

liament and tendons

Dr

a

f t

8os)italisatio

n,co

ns

ultationsan

d)r

escri&

edmedi

cati

on

0age 25' of 277


260/277

0age 25* of 277


261/277

1!1+!*#onsultations and medication < prenancy

D

ra

f

t8os)italisation,

cons

ul

tationsand

)res

cri&e

dmedica

tio

n

0age 2"+ of 277


262/277

1!1+!1+ #onsultations and medication < sin disorder ; acne

Draf t

8os

)ita

lisat

ion,

consultatio

nsa

nd

)r

0age 2"1 of 277


263/277

es

cri&

ed

m

edication

1!1+!11 #onsultations and medication < sin disorder ; dermatitis

Draf t

8os)i

talis

ation,

0age 2"2 of 277


264/277

co

nsul

tati

o

nsand)rescr

i&e

dme

dication

1!1+!12 #onsultations and medication < sin disorder ; ec)ema

D

0age 2"3 of 277


265/277

r

af

t

8

os

)italisation,consul

tati

o

nsand)rescr

i&e

dme

dication

0age 2"4 of 277


266/277

1!1+!13 #onsultations and medication < sin disorder ; psoriasis

Dr

af

t

8os)i

talisation,consul

tati

onsand)rescr

i&e

dm

edication

0age 2"5 of 277


267/277

0age 2"" of 277


268/277

1!1+!14 #onsultations and medication < sin disorder < any other sin condition,

includin any form of melanoma, cyst, unidentified lump or rowth

Dr

a

f t

8os)italisatio

n,co

ns

ultationsan

d)r

escri&

edmedi

cati

on

0age 2"7 of 277


269/277

0age 2"' of 277


270/277

1!1+!15 #onsultations and medication < any other reason for any hospitalisation,

consultation or medication

Dr

a

f t

8os)italisatio

n,co

ns

ultationsan

d)r

escri&

edmedi

cati

on

0age 2"* of 277


271/277

0age 27+ of 277


272/277

1!11 eein ad%ice or consultation, or awaitin treatment

1!11!1eein ad%ice or awaitin treatment ; o%er%iew

Dr

af

t

8

os)i

talisation,co

nsul

tati

onsand)rescr

i&e

dmedication

0age 271 of 277


273/277

1!11!2eein ad%ice or awaitin treatment < intendin on seein ad%ice

D

raf

t

8

os)i

talis

ation,

consul

tati

ons

and)rescri&e

dm

edication

0age 272 of 277


274/277

1!11!3eein ad%ice or awaitin treatment < awaitin medical treatment

Dra

f t

8os)italis

atio

n,co

ns

ultations

0age 273 of 277


275/277

a

nd

)res

cr

i&edmedica

tio

n

1!11!4eein ad%ice or awaitin treatment < awaitin test results

Dra

f t

0age 274 of 277


276/277

8

os)i

talis

at

ion,consultati

ons

and

)rescri&e

dm

edication

0age 275 of 277


277/277

underwriting ruleset v0.1 29 august 2014 v2

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