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b)We make a decision for acceptance individually according to symptoms, etc.It is necessary for a patient to present medical documents that show the absence of underlying diseases such as obesity and hypertension and can resolve the issue of continuation of (compliance with) CPAP treatment.In the event of cure by weight loss, surgery, etc.b)If there is no notification of complications such as hypertension or severe obesity, we will accept the application as usual. However, since SAS has a base score, it is more likely that the application of the patient cannot be accepted compared with healthy individuals. For example, if the patient shows hypertension that can be barely accepted in healthy individuals, SAS patients are more likely to be denied due to the total score of blood pressure and SAS.b)Abnormalities, in addition to SAS, may affect the acceptance or denial.b)A contract can be made if at least 3 months have passed since the start of treatment and hospitalization or surgery has not been recommended.b)If the patient is treated with CPAP, etc., and is found to be in good condition, the contract can be made under the same conditions as healthy individuals.610Table 3　Conditions necessary for patients with SAS adequately treated with CPAPa), etc. who wish to purchase life insurance to make a contract under the same conditions as healthy individualsCompanyIt is necessary for a patient to present a medical certificate from a doctor who can confirm the course and effect of treatment. Anyway, we will accept the application with a special insurance premium.#1Since no medical data for insurance on SAS has been accumulated in the company, we cannot accept the application of patients with SAS in the same way as healthy individuals.If a patient is under treatment for SAS, we accept the application with a special condition based on our criteria.#2#3We do not accept any application of people under treatment not limited to SAS.#4#5#6#7#8#9#10#11#12b)We do not handle any insurance products that require medical underwriting.2009b)Certificate of cure2015We decide that there is a risk in the first 6 months. We accept the application of patients on CPAP treatment after 7 months of treatment for insurance of death, severe disability, etc., in the same way as healthy individuals.Only when a patient finishes treatment, including surgery (complete cure), and it is confirmed that there is no complication, such as hypertension and diabetes mellitus, we will consider the acceptance of the application.Since CPAP is a treatment, we will not accept it as a standard case. However, since the risk of onset of diseases is considered to be low, it is handled with extra premium.b)We mostly accept the application without conditions.After a certain period of time after the start of CPAP treatment.We accept the application by limiting the amount of compensation for a certain period after acceptance.A patient should be younger than 50 years and using CPAP.We do not handle the case under the same conditions as healthy individuals.2021