Life Insurance after a TIA may. Be available at standard terms, dependent upon the insurer you apply to. The insurer may ask to see a report from your GP to support your application, so that they can offer terms based upon a full account of your TIA history and general health. The insurer will be looking for information regarding the severity of the TIA, if there were any lasting complications and how long it was since the TIA occurred.
It is now possible in certain circumstances to place a Critical Illness application after a TIA if you are over the age of 45. Consideration can only be made for a single TIA at present and insurers will still want to know about other health complications. If you are accepted for Critical Illness Cover it will most likely come with a stroke and cardiovascular exclusion to the policy claims set.
Income Protection after a TIA may be available with a cerebrovascular exclusion to the policy claims set. The insurer you apply to for Income Protection will ask questions including how many TIAs have occurred, if you are currently at work, and whether your blood pressure and cholesterol are within normal ranges, amongst others
When Income Protection isn't available, you may wish to consider Accident, Sickness and Unemployment Cover that is not medically underwritten, as an alternative. An Accident, Sickness and Unemployment policy will provide you with a short-term income replacement for between 12 and 24 months. You must be aware that these policies exclude claims related to any pre-existing conditions.
Are you travelling abroad after a TIA? Find out if you have the right travel insurance in place for your medical history, by visiting our travel insurance page here.
Possible Effects on Lifestyle
Some potential problems experienced by individuals who have had a TIA include:
Ability to drive
Heightened risk of a stroke
Weakness of limbs
Medications and Treatments
Blood pressure medication
High cholesterol medication
For more information on specific health conditions, pastimes, occupations and countries please select here:
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A transient ischaemic attack typically occurs when a blood clot blocks the supply of blood to a persons brain. Less frequently a TIA is caused by a haemorrhage, that causes bleeding on the brain. A TIA will often last a few minutes with little to no permanent symptoms after 24 hours. In some cases a TIA has such a little impact on the individual that doctors can struggle to diagnose that one has actually occurred. A TIA can occur before a full-blown stroke and it is important that measures are taken to minimise this risk.
This page focuses upon TIA and does not provide details in regards to policy options for those individuals who have experienced a stroke. Please visit our dedicated page to insurance following a stroke for further details.
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