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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
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1!2 #odelists
1!2!1 $%er%iew
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1!2!2 &nina dianosis
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1!2!3 Diabetes dianosis
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1!2!4 Di%in depth
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1!2!5 (pilepsy last sei)ure timeframes
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1!2!" amily history number of relati%es
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1!2!7 -ari.uana fre/uency of use
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1!2!' 0ulmonary embolism last occurrence
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s
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1!2!* oc climbin rade
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1!2!1+oc climbin locationbasis
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1!2!11y di%in number of .umps
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1!2!12es, no, unnown options
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1!3 #omputed filters
1!3!1 $%er%iew
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1!3!2 6- is 34 or hiher
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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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1!3!5 Di%in and ca%inpotholinwrec di%esretrie%als
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1!3!" (pilepsy with side effects
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1!3!7 8eartcardio condition disclosed
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D
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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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1!3!1+0ulmonary embolism and multiple episodes
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1!3!11oc climbin in &ustralia only
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1!4 (xclusions
1!4!1 $%er%iew
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1!4!2 &bseilin
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1!4!3 Di%in
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1!4!4 -otor car racin
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1!4!5 -ountain climbin
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1!4!" y di%in
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9uestions and actions
1!5 &pplication for insurance
1!5!1 :orin hour and ha)ardous acti%itiessports
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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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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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1!"!5 8a)ardous acti%itiessports ; o%er%iew
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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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1!"!178a)ardous acti%itiessports < contact sports
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vi
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1!"!1'8a)ardous acti%itiessports < other ha)ardous pastimes
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0age 7+ of 277
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72/277
1!7 ?ifestyle
1!7!1 8eiht and weiht6-
Dr
af
t
?i
fest
yle
0age 71 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
73/277
0age 72 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
74/277
1!7!2 ?ifestyle ; o%erseas tra%elresidency
Dr
af t
?ife
styl
e
0age 73 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
75/277
0age 74 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
76/277
1!7!3 ?ifestyle ; alcohol, medication, drus, stimulants, sedati%es and tran/uilisers
D
ra
f
t?ifestyle
0age 75 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
77/277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
78/277
0age 77 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
79/277
1!7!4 ?ifestyle < recreational dru use
Dra
f t
?ifestyl
e
0age 7' of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
80/277
0age 7* of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
81/277
0age '+ of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
82/277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
83/277
0age '2 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
84/277
0age '3 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
85/277
1!' -edical history
1!'!1 -edical history ; o%er%iew
Dr
af
t
-
edi
calhistory
0age '4 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
86/277
0age '5 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
87/277
0age '" of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
88/277
0age '7 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
89/277
0age '' of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
90/277
0age '* of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
91/277
0age *+ of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
92/277
0age *1 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
93/277
0age *2 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
94/277
0age *3 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
95/277
0age *4 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
96/277
0age *5 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
97/277
0age *" of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
98/277
0age *7 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
99/277
0age *' of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
100/277
0age ** of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
101/277
0age 1++ of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
102/277
1!'!2 -edical history < respiratory ; asthma
D
ra
f
t-edicalhistor
y
0age 1+1 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
103/277
1!'!3 -edical history < respiratory ; bronchitis
Draf t
-edi
cal
hist
ory
0age 1+2 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
104/277
0age 1+3 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
105/277
1!'!4 -edical history < respiratory ; #hronic 0ulmonary $bstructi%e Disease =#$0D>
D
ra
f
t-edicalhistor
y
0age 1+4 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
106/277
0age 1+5 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
107/277
1!'!5 -edical history < respiratory ; emphysema
D
ra
f
t-edicalhistor
y
0age 1+" of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
108/277
1!'!" -edical history < respiratory ; pulmonary embolism
Dra
f t
-edi
cal
history
0age 1+7 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
109/277
0age 1+' of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
110/277
0age 1+* of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
111/277
1!'!7 -edical history < respiratory ; sleep apnoea
Draf t
-edica
lhi
stor
y
0age 11+ of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
112/277
0age 111 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
113/277
1!'!' -edical history < respiratory ; tuberculosis
D
ra
f
t-edicalhistor
y
0age 112 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
114/277
0age 113 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
115/277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
116/277
1!'!1+-edical history < respiratory ; pleurisy
Dr
af
t
-
edi
calhi
story
0age 115 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
117/277
1!'!11-edical history < respiratory ; other lun or respiratory condition
D
r
0age 11" of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
118/277
a
f t
-e
di
calhistory
0age 117 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
119/277
0age 11' of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
120/277
1!'!12-edical history < cardio ; hih blood pressurehypertension
D
ra
f
t-edicalhistor
y
0age 11* of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
121/277
0age 12+ of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
122/277
0age 121 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
123/277
0age 122 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
124/277
1!'!13-edical history < cardio ; hih cholesterol
Draf t
-edical
hi
story
0age 123 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
125/277
0age 124 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
126/277
0age 125 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
127/277
1!'!14-edical history < cardio ; chest pain
D
raf t
-edicalhi
stor
y
0age 12" of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
128/277
0age 127 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
129/277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
130/277
0age 12* of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
131/277
0age 13+ of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
132/277
1!'!1"-edical history < cardio < heart palpitations or murmur
D
ra
f
t-edicalhistor
y
0age 131 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
133/277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
134/277
1!'!17-edical history < cardio < heart attac
Draf t
-e
dica
lhistory
0age 133 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
135/277
0age 134 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
136/277
1!'!1'-edical history < cardio < heart diseasecoronary artery disease =#&D>
D
ra
f t
-e
dica
lhistory
0age 135 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
137/277
0age 13" of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
138/277
0age 137 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
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
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
140/277
0age 13* of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
141/277
1!'!2+-edical history < cardio < deep %ein thrombosis =D@T>
Dr
a
f t
-edicalhist
ory
0age 14+ of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
142/277
0age 141 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
143/277
1!'!21-edical history < cardio < iron deficient anaemia
Dr
af
t
-
edi
calhist
ory
0age 142 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
144/277
0age 143 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
145/277
1!'!22-edical history < cardio < haemochromatosis
Dra
f t
-e
dica
lhist
ory
0age 144 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
146/277
0age 145 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
147/277
0age 14" of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
148/277
1!'!23-edical history < cardio < other heart, blood or %ascular disorder
D
ra
f
t-edicalhistor
y
0age 147 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
149/277
0age 14' of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
150/277
1!'!24-edical history < cancer < breast cancer
D
ra
f
t-edicalhistor
y
0age 14* of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
151/277
0age 15+ of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
152/277
1!'!25-edical history < cancer < bowel cancer
D
ra
f
t-edicalhistor
y
0age 151 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
153/277
0age 152 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
154/277
1!'!2"-edical history < cancer < prostate cancer
D
ra
f
t-edicalhistor
y
0age 153 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
155/277
0age 154 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
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
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
157/277
0age 15" of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
158/277
1!'!2'-edical history < cancer < sin cancer or melanoma
D
ra
f
t-edicalhistor
y
0age 157 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
159/277
0age 15' of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
160/277
1!'!2*-edical history < cancer < brain tumour
Dra
f t
-e
dica
lhistory
0age 15* of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
161/277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
162/277
0age 1"1 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
163/277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
164/277
0age 1"3 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
165/277
1!'!31-edical history < metabolic < Type or insulin dependent diabetes
D
ra
f
t-edicalhistor
y
0age 1"4 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
166/277
0age 1"5 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
167/277
0age 1"" of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
168/277
1!'!32-edical history < metabolic < Type or non;insulin dependent diabetes
D
ra
f
t-edicalhistor
y
0age 1"7 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
169/277
0age 1"' of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
170/277
1!'!33-edical history < metabolic < estational or prenancy;related diabetes
D
raf t
-edicalhi
stor
y
0age 1"* of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
171/277
1!'!34-edical history < metabolic < impaired lucose tolerance
D
r
af t
-e
0age 17+ of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
172/277
di
cal
hist
or
y
0age 171 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
173/277
0age 172 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
174/277
1!'!35-edical history < metabolic < raised blood suar
D
ra
f
t-edicalhistor
y
0age 173 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
175/277
0age 174 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
176/277
1!'!3"-edical history < metabolic < metabolic syndrome
D
ra
f
t-edicalhistor
y
0age 175 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
177/277
0age 17" of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
178/277
1!'!37-edical history < diesti%e < bladder stones
D
ra
f
t-edicalhistor
y
0age 177 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
179/277
1!'!3'-edical history ; diesti%e < all stones
Dr
af
t
-
edi
calhistory
0age 17' of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
180/277
1!'!3*-edical history < diesti%e < all bladder
D
ra
f t
-
edicalhistor
y
0age 17* of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
181/277
1!'!4+-edical history < diesti%e < bowel cancer
D
0age 1'+ of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
182/277
r
af
t
-
e
dicalhistory
0age 1'1 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
183/277
0age 1'2 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
184/277
1!'!41-edical history < diesti%e < bowel polyps
D
ra
f
t-edicalhistor
y
0age 1'3 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
185/277
1!'!42-edical history < diesti%e < coeliac disease
Draf t
-e
dica
lhi
story
0age 1'4 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
186/277
0age 1'5 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
187/277
0age 1'" of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
188/277
1!'!43-edical history < diesti%e < #rohnAs disease
D
ra
f
t-edicalhistor
y
0age 1'7 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
189/277
1!'!44-edical history < diesti%e < di%erticulitis
D
raf t
-edica
lhi
stor
y
0age 1'' of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
190/277
0age 1'* of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
191/277
1!'!45-edical history < diesti%e < irritable bowel syndrome
D
ra
f
t-edicalhistor
y
0age 1*+ of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
192/277
1!'!4"-edical history < diesti%e < pancreatitis
Dra
f t
-e
dica
lhi
story
0age 1*1 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
193/277
0age 1*2 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
194/277
1!'!47-edical history < diesti%e < ulcerati%e colitis
D
ra
f
t-edicalhistor
y
0age 1*3 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
195/277
1!'!4'-edical history < diesti%e < abnormal li%er function
D
ra
f t
-edicalhi
stor
y
0age 1*4 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
196/277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
197/277
0age 1*" of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
198/277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
199/277
1!'!51-edical history < diesti%e < hepatitis
Draf t
-edicalhi
st
ory
0age 1*' of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
200/277
0age 1** of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
201/277
0age 2++ of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
202/277
0age 2+1 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
203/277
1!'!52-edical history < diesti%e < lomerulonephritis
D
ra
f
t-edicalhistor
y
0age 2+2 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
204/277
1!'!53-edical history < diesti%e < idney stones
Draf
t
-
edi
calhist
ory
0age 2+3 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
205/277
0age 2+4 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
206/277
0age 2+5 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
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
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
208/277
1!'!55-edical history < diesti%e < 0olycystic Kidney Disease =0KD>
Draf t
-edi
cal
history
0age 2+7 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
209/277
1!'!5"-edical history < diesti%e < conenital abnormality of the idney
D
raf t
-e
dica
lhistor
y
0age 2+' of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
210/277
0age 2+* of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
211/277
1!'!57-edical history < diesti%e < oran transplant recipient
D
ra
f
t-edicalhistor
y
0age 21+ of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
212/277
0age 211 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
213/277
1!'!5'-edical history < diesti%e < astric, peptic or duodenal ulcer
D
ra
f
t-edicalhistor
y
0age 212 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
214/277
1!'!5*-edical history < diesti%e < hiatus hernia
Draf t
-e
dica
lhi
story
0age 213 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
215/277
1!'!"+-edical history < diesti%e < astro;oesophaeal reflux =B$D>, heartburn or
indiestion
Dr
af t
0age 214 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
216/277
-
edi
cal
hi
story
0age 215 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
217/277
0age 21" of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
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
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
219/277
1!'!"2-edical history < neuroloical ; epilepsy
Draf
t
-
edi
cal
history
0age 21' of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
220/277
0age 21* of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
221/277
0age 22+ of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
222/277
1!'!"3-edical history < neuroloical ; sei)ure
Dr
a
f t
-edicalhist
ory
0age 221 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
223/277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
224/277
1!'!"4-edical history < neuroloical ; stroe
D
ra
f
t-edicalhistor
y
0age 223 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
225/277
1!'!"5-edical history < neuroloical < transient ischaemic attac =T&>
D
ra
f
t-edicalhistor
y
0age 224 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
226/277
1!'!""-edical history < neuroloical < multiple sclerosis
Dr
af
t
-
edi
calhistor
y
0age 225 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
227/277
0age 22" of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
228/277
1!'!"7-edical history < neuroloical ; paralysis
Dra
f t
-e
dica
lhistory
0age 227 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
229/277
1!'!"'-edical history < neuroloical < 0arinsonAs disease
Dra
f t
-e
dica
l
history
0age 22' of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
230/277
0age 22* of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
231/277
0age 23+ of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
232/277
1!'!"*-edical history < neuroloical < &l)heimerAs disease or dementia
D
ra
f
t-edicalhistor
y
0age 231 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
233/277
1!'!7+-edical history < neuroloical ; tremor
D
ra
f
t-edicalhistor
y
0age 232 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
234/277
0age 233 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
235/277
0age 234 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
236/277
1!'!71-edical history < neuroloical < other neuroloical or brain disorder
D
ra
f
t-edicalhistor
y
0age 235 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
237/277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
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0age 237 of 277
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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
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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
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241/277
0age 24+ of 277
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1!*!2 amily medical history ; cardiomyopathy
D
ra
f
t+amilymedical
hist
or
y
0age 241 of 277
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243/277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
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m
ilym
edi
ca
lhistory
1!*!5 amily medical history < enetic test
D
raf t
+amilymedi
cal
history
0age 243 of 277
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245/277
0age 244 of 277
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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
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247/277
0age 24" of 277
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248/277
0age 247 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
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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
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
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
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251/277
os
)ita
lisat
io
n,consultatio
nsa
nd)r
escri&ed
me
dication
0age 25+ of 277
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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
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
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
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
254/277
es
cri&
ed
m
edication
0age 253 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
255/277
1!1+!"#onsultations and medication < impairment of siht or hearin
D
ra
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0age 254 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
256/277
8
os)i
talis
at
ion,consultati
ons
and
)rescri&e
dm
edication
0age 255 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
257/277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
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
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
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
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
260/277
0age 25* of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
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
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
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
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
263/277
es
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m
edication
1!1+!11 #onsultations and medication < sin disorder ; dermatitis
Draf t
8os)i
talis
ation,
0age 2"2 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
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
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
265/277
r
af
t
8
os
)italisation,consul
tati
o
nsand)rescr
i&e
dme
dication
0age 2"4 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
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
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
267/277
0age 2"" of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
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
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
269/277
0age 2"' of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
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
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
271/277
0age 27+ of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
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
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
273/277
1!11!2eein ad%ice or awaitin treatment < intendin on seein ad%ice
D
raf
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8
os)i
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ation,
consul
tati
ons
and)rescri&e
dm
edication
0age 272 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
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
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
275/277
a
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1!11!4eein ad%ice or awaitin treatment < awaitin test results
Dra
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0age 274 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
276/277
8
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dm
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0age 275 of 277
8/20/2019 Underwriting Ruleset v0.1 29 August 2014 v2
277/277
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