Insurance

Can Glaucoma Patients Still Purchase Insurance?

Author Bowtie Team

Updated on 2025-06-03

Disclaimer: This article is translated with the assistance of AI.

Can you still buy insurance if you have glaucoma? Do you need extra premiums (loadings)? Bowtie team breaks down the underwriting criteria.

What is Glaucoma?

Glaucoma is an eye disease related to damage of the optic nerve and retinal nerve fibers, usually caused by abnormally high pressure in the eye. If not treated, glaucoma can lead to gradual loss of peripheral vision and even permanent blindness.

Risk Factors for Glaucoma

Age over 40
Severe myopia
High intraocular pressure
Family history of glaucoma
Diabetes
High blood pressure

Additionally, Asians have a higher risk of acute angle-closure glaucoma, while Africans or Caribbean black people have a higher risk of chronic open-angle glaucoma .

Underwriting Considerations for Glaucoma Patients

1. Has the insured received any treatment (including medication or surgery) before?

We will assess the type of treatment the insured has received, such as eye drops or surgery.

2. Has the insured fully recovered? Are there any aftereffects or complications?

We will consider the extent of the insured’s recovery, such as the date of full recovery, any vision impairment, aftereffects, or complications.

Possible Underwriting Outcomes for Glaucoma Patients

1. Successful Policy Issuance

If there are no other complications, coverage can be provided at standard premium rates. (Applicable only to Term Life Insurance , Cancer Insurance and Accident Insurance )

2. Successful Policy Issuance, but with Increased Premium and/or Exclusions

For glaucoma without complications, the insurance company may consider accepting the policy but may increase the premium (commonly known as loading) and/or add exclusions based on the circumstances.

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Author

Bowtie Team

The Bowtie Life Insurance Company Limited is an authorized life insurance company and Hong Kong’s very first virtual insurer approved. Through the use of modern technology and medical expertise, Bowtie offers an agent-free, commission-free and more convenient online platform for customers to quote, apply and claim for Voluntary Health Insurance Scheme (VHIS) anytime anywhere. Bowtie is ranked first in the direct channel sales throughout 2021. Stay up to date at www.bowtie.com.hk