Underwriting implications

The method of rating will depend on the type or cause (as discussed, it may occur as a secondary effect of various acute and chronic diseases), and on the severity of the red cell deficiency. If it is clearly identified as anaemia associated with a chronic disease – such as Crohn's – then the rating is usually that of the underlying disorder. Mild to moderate degrees of anaemia can be regarded with less suspicion in pre-menopausal females than in males, as menstrual blood loss is a common and usually benign cause. However, with unexplained anaemia should be postponed pending investigat...