Life Insurance for people following a coronary angioplasty will almost certainly result in the insurer wanting to speak with your GP to establish the severity of the condition and resultant treatment. The insurance provider will be specifically interested in which arteries were affected, how many arteries were involved and the severity of the condition that was recorded in each section. It is likely that the Life Insurance policy will be accepted at special terms, in which the premiums are increased to offset the additional risk that the insurer feels are present due to your medical history. Where the condition has been severe and there are marked lasting complications, the insurer may choose to decline your application.
Critical Illness Cover following an angioplasty is currently not available.
Income Protection for those who have undergone a coronary angioplasty is unfortunately unavailable in the current market.
As an alternative you may wish to consider Accident, Sickness and/or Unemployment Cover that provides short-term income replacement for between 12 and 24 months. The policy will pay in the event that you are unable to work due to illness, disability or involuntary redundancy. The advantage of this policy is that your application is not medically underwritten at the time of application so your medical history will have no bearing on the policy acceptance terms. However you should be fully aware that whilst this is the case the policy will not payout for any claim related to your existing medical conditions.
Some potential problems experienced by individuals who have had a coronary angioplasty include:
Risk of stroke and heart attack following procedure
Excessive bleeding and bruising during the procedure, potentially leading to a blood transfusion
Medications and Treatments
Cardiac rehabilitation programmes
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An angioplasty is an operation performed under local anaesthetic where a small balloon is inflated within the artery walls to improve the increase of blood flow through the area. The operation is often combined with the insertion of a stent that remains in place to maintain a more constant blood flow. A coronary angioplasty is performed when the artery walls have become hardened and narrowed and standard medication is not effectively improving the flow of blood through the arteries.
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