role of GP+fitness for driving+insurance

a health assessment is done before a driving permit is given

sleep problems
vision
dibetis
heart problems
epilepsy
blackouts and fainting
psychiatric disorders
age related decline


The Driver Licensing Authority always makes the final decision


Generally, only longer-term conditions will impact on your
licence status and will need to be reported to the
Driver Licensing Authority.
The relationship between you and your doctor is confidential,
therefore your doctor will not normally communicate directly
with the Driver Licensing Authority. He or she will provide
you with advice about your ability to drive as well as with
a letter or report to take to the authority.

In South Australia and the Northern Territory,
however, doctors are required by law to report
drivers who they believe to be medically unfit
to drive to the Driver Licensing Authority.

http://www.austroads.com.au/aftd/cvd.html



Apnea Index of:
0-10 - typically no additional life insurance cost
11-20 - 50% table rating increase over standard life insurance rates
21-30 - 100% table rating increase over standard life insurance rates
31-40 - 150% table rating increase over standard life insurance rates
Above 40 - decline.

http://www.lifeinsuranceadvisors.com/life-insurance-for-sleep-apnea.html