Insured person Chan Tai Man has a Hypertension problem. He applied for medical insurance cover and found that the following areas were excluded:

• Hypertension
• Diabetes
• Cardiovascular Disease
• Peripheral Vascular Disease
• Renal Disease
• Hypertensive Retinopathy

His cousin, who also suffers from Hypertension, is covered by insurance for most of the diseases mentioned above except his pre-existing Hypertension. Why are the two cases different?

Insurers assess risk according to the applicant's overall health condition. They will look into the detailed causes of Hypertension, any correlated diseases and the applicant's family's health history.

Chan Tai Man's blood pressure runs at a consistently high level of 150/85, and he requires Antihypertensive medication. He is a heavy smoker who suffers from Diabetes and Hypercholesterolemia. His parents have a history of Stroke and Heart Attack.

Although his cousin also needs to take Antihypertensive medication, his blood pressure is stabilised at the safer level of 140/80.

If an applicant has a Hypertension problem, the insurer needs to evaluate the overall risk factors of the following areas:

• Control of blood pressure
• Smoking habit
• Obesity
• Hypercholesterolemia
• Diabetes
• Proteinuria
• Age
• Family history of Cardiovascular Disease
• Diet and exercise habit
• Medical reports such as electrocardiograms and chest X-rays

Applicants are required to provide the following information:

• When was the applicant first diagnosed with Hypertension?
• Are there any specific causes of the applicant's Hypertension?
• What was the applicant's blood pressure before and after treatment?
• Is the applicant taking Antihypertensive medication?
• How well does the applicant control his/her blood pressure?

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