Underwriting implications

From an insurance perspective the implications on the underwriting process largely depend on the underlying cause. In the first instance most conditions will be assessed on the basis of a GP report together with a structural heart disease questionnaire and copies of any hospital reports. However, the condition that would be declined at application stage would be the transposition of great vessels. When the medical information has been received from the doctor, the underwriter needs to establish what investigations, if any, have previously been carried out, the type of surgery performed, a...