Would likely have an exclusion on medical, income or trauma cover unless it was resolved more than 5 years ago. Life cover may have an extra premium charged if the tumour affected a vital organ.

A BMI (body mass indicator) of over 35 or under 18

Could result in an extra premium being charged for life, income, trauma or medical cover if BMI exceeds 32. To calculate your BMI take your height in metres and multiply this by itself. So if you're 1.83m tall multiply 1.83 x 1.83 to get an answer (in this case 3.349). Then divide your weight in kilograms by this answer. So a person who is 1.83m tall and weighing 100kg would have a BMI of 100/3.349 = 29.86. Perfectly fine for medical, income, trauma or life cover.

Could have an exclusion on medical, income or trauma cover if recent, recurring and/or serious. One-off cysts that were treated more than 5 years ago are unlikely to result in an exclusion. Life cover would only be affected if the lump was cancerous.

In many cases medical, income or trauma cover would be offered with an exclusion for the specific cancer or cancer generally. Life cover may not be available if the cancer/tumour has not been clear for more than 5 years. There is likely to be an additional premium charged for life cover after 5 years

Unlikely to affect life, income, trauma or medical cover if cholesterol has been well managed and under medication. If untreated and continually higher than normal (5.5+ or above) could have cover denied, an increase in premiums or a cardiac exclusion for medical.

Medical, income & trauma cover would likely have an exclusion. Life cover could be standard premium rates in many cases but may have an additional premium charged if still being treated with prednisone.

Medical would be unaffected as many policies exclude mental health issues anyway. Income & trauma cover may be unaffected or result in an extra premium or exclusion (if serious). Life cover could be unaffected but could have an additional premium charged or be declined in very severe cases.

Medical cover would have an exclusion. Income & trauma cover would have an extra premium charged or not be available. Life cover would usually have an additional premium charged for type I diabetes. Type II diabetes could be standard for life cover in older clients if well managed and there aren't too many other health issues like high BMI.

Would likely have an exclusion for medical, income & trauma cover. Life cover would be unaffected or could have an extra premium charged for severe degeneration.

Would likely have an exclusion for income, trauma & medical cover. Life cover may have an additional premium charged.

Medical, income & trauma cover would likely have an exclusion. Life cover could be standard premium rates in many cases but may have an additional premium charged if still being treated with prednisone.

Medical, income & trauma cover could have an exclusion or not be available. Life cover could be unaffected or may have an extra premium charged.

Medical would have an exclusion. Income & Trauma may have an additional premium charged. Life cover could range from standard premium rates to loaded by a small amount depending on severity.

May not affect medical, income, trauma or life cover if more than two years ago and normal smear tests achieved since. Hysterectomy would not affect cover unless there was cancer involvement.

Would not affect medical, trauma or income cover if treated more than 2 years ago. Recent or untreated haemorrhoids would be excluded. Life cover would not be affected.

Medical is likely to have a cardiac exclusion. Life, income or trauma cover would likely have an extra premium charged or be declined if more serious.

Medical, trauma & income cover may have an exclusion but could be standard if not causing any discomfort. Life cover would be standard.

Would not affect medical, income, trauma or life cover if more than 5 years ago and A. Hepatitis B or C could result in an extra premium being charged for life cover and be excluded for other covers.

Unlikely to affect life, income, trauma or medical cover if blood pressure has been well managed and under medication. If untreated and continually higher than normal could have cover denied, an increase in premiums or a cardiac exclusion on medical cover, income & trauma.

Would likely be uninsurable for medical, income, trauma or life cover.

May have an exclusion for medical cover if within 5 years. Abnormal renal function may result in a higher premium for life cover. Trauma & income cover may exclude this condition.

Likely to have an exclusion for medical, income & trauma cover. Life cover could have an extra premium charged or may be deferred until liver function tests return to normal.

Medical, trauma & income cover would likely include an exclusion. Life cover would be unaffected.

Medical would be unaffected as many policies exclude mental health issues anyway. Life & trauma cover could be unaffected but could have an additional premium charged or be declined in very severe cases. Income cover would likely exclude this condition.

Medical, trauma & income cover would likely have an exclusion. Life cover would be unaffected if the migraines have been occurring for more than 2 years. An application may be deferred (the insurer won't consider cover) for 12 months if symptoms are relatively new.

Would be unlikely to affect income, trauma, medical or life cover.

Could result in an exclusion for trauma, income or medical cover or may be declined in extreme cases. Life cover would either be offered with an extra premium or be declined.

May have an exclusion for income, trauma or medical cover. Life cover would be unaffected.

Could result in an extra premium being charged for life, income, trauma or medical cover if BMI greater than 32. To calculate your BMI take your height in metres and multiply this by itself. So if you're 1.83m tall multiply 1.83 x 1.83 to get an answer (in this case 3.349). Then divide your weight in kilograms by this answer. So a person who is 1.83m tall and weighing 100kg would have a BMI of 100/3.349 = 29.86. Perfectly fine.

May not affect medical, income, trauma or life cover if more than two years ago and normal smear tests achieved since. Recent and/or more serious grade could result in an exclusion, loading or decline of the application.

Medical, income & trauma cover would likely have an exclusion. Life cover could be standard in many cases but may have an additional premium charged if still being treated with prednisone.

Medical, income & trauma cover would have an exclusion. Life cover may not be affected if benign.

Medical cover would likely have an exclusion. Life cover, income & trauma could have an extra premium charged or be declined if more severe. 

Mild asthma or bronchitis would not affect medical, income, trauma or life cover. More severe or recurrent lung disorders would be excluded for medical cover and would result in an extra premium for life , income or trauma cover. In extreme cases the life, income or trauma cover would be declined.

Would be excluded for medical, income or trauma cover and application could be declined if more severe. Life cover could have an extra premium charged if their is malformation of fingers or joints. Go here​ for more information about whether alternative treatments to joint replacement exist.

Medical, income & trauma cover could have a benign and/or malignant skin lesion exclusion. Minor skin disorders would be excluded for medical cover. Life cover would only be affected if malignant. If the policy has a 'benign skin lesion' exclusions you are still covered for malignant skin lesions (and vice versa).

Medical could have an exclusion or be unavailable. Life cover would likely have an additional premium charged or be unavailable until a sleep study shows the disorder is well managed.

Medical, income or trauma would have an exclusion. Unlikely to affect life cover unless the insured is suffering moderate to severe paralysis.

Would likely have an exclusion for medical, income or trauma cover. Life cover would usually be unaffected unless severe.

Medical, income or trauma cover would have an exclusion or be unavailable. Life cover could have an extra premium charged or be unavailable.

Medical, income or trauma cover could have an exclusion if less than 2 years ago or poorly healed. Otherwise standard terms would apply. Life cover would be unaffected.

May have an exclusion for medical, income or trauma cover. Life cover could be unaffected or have an extra premium charged or be declined in severe cases.

Medical, income & trauma cover would have an exclusion. Life cover could be unaffected if well managed. Poorly managed would result in an extra premium being charged.

In many cases medical, income or trauma cover would be offered with an exclusion for cancer or benign tumour. Life cover may not be available if the cancer/tumour has not been clear for more than 5 years. An additional premium may still be charged after 5 years. Benign tumour would likely be standard for life cover.

Medical, income & trauma cover would have an exclusion. Life cover would be unaffected unless severe or cancer related.

Wouldn't be excluded from medical, income or trauma cover if treated more than 2 years ago. Would be excluded from these covers if still present. Life cover wouldn't be affected. 

Medical, income & life cover would likely include an exclusion. Life cover would be unaffected unless very severe.