Life Insurance for people with angina will always be subject to special terms, that will include a premium increase to base prices. When underwriting your policy the insurer will want to know the frequency of your symptoms, medication in use, your BMI and any other related conditions such as high blood pressure and cholesterol. Depending upon your age and if you have diabetes as well, you may need to place your application with a specialist insurer. It is likely that the insurance provider will want to see a report from your GP regarding your present state of health and how the angina impacts upon it.
It is possible to arrange Critical Illness Cover when you have angina, with specialist insurers. The policies that are available are not standard Critical Illness policy and we would recommend that you speak with an insurance adviser who can fully explain the contract to you.
Income Protection for those with angina may be available if the condition is well controlled. When you apply for Income Protection, the insurer is going to want to know specific details about your health including when you were diagnosed with angina, how the condition affects you, any medications you take and if it has caused you to have any time off work. It is highly likely that any form of Income Protection policy that you are able to secure will come at a higher monthly premium or with an exclusion for claims related to the angina.
Alternatively you may wish to consider Accident Sickness and Unemployment Cover that can provide short term income protection of between 12 and 24 months. The policy will pay out if you are unable to work due to serious illness or injury, or if you are made involuntarily redundant. Accident, Sickness and Unemployment policies are setup without looking into the holders medical history, meaning that your angina will not impact upon your policy acceptance. However you should be aware that any claim that you make will exclude anything related to your angina.
Are you planning on a holiday or business trip soon? We can arrange for you to speak with a specialist travel insurance broker who can offer comprehensive cover for most medical conditions. If you have angina and need travel insurance, get your no obligation quotation here.
Possible Effects on Lifestyle
Some potential problems experienced by individuals who have angina include:
For more information on specific health conditions, pastimes, occupations and countries please select here:
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Typically angina occurs when the blood flow to the heart becomes restricted due to a narrowing of the arteries (atherosclerosis). In the case of stable angina a flare up may occur due to a trigger activity such as exercise, at which point the hardened arteries to the heart struggle to cope with the increased blood flow caused by physical exertion. Stable angina will usually settle after a few minutes of rest. Unstable angina is generally treat as a medical emergency as the symptoms quickly onset with no direct cause.
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