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
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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