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Update - September 2015

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.

You can talk with one of our qualified insurance advisers on 0800 567 7450 who will be happy to assist you.

Request a Critical Illness Cover Quote

Update - August 2015

In some cases it is now possible to secure Life Insurance at normal terms following a TIA, if it was caused by the use of the contraceptive pill. The insurance provider may want to see a report from your GP to confirm the cause of the TIA and establish the amount of time since the TIA occurred.

You can talk with one of our qualified insurance advisers on 0800 567 7450 who will be happy to assist you.

Request a Life Insurance Quote

Life Insurance

Life Insurance after a TIA is often possible but is dependent upon the insurer you apply to having access to a medical report from your GP. The insurer asks for this information to support your application, so that they can offer terms based upon 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. Many cases will see the policy premiums receive a small premium rating.

Get a Life Insurance Quote

Critical Illness Cover

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.

Get a Critical Illness Cover Quote

Income Protection

Income Protection is not currently available for people who have had a TIA.

As an alternative you may wish to consider Accident, Sickness and Unemployment Cover that is not medically underwritten. 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.

Get an Accident, Sickness and Unemployment Quote

Possible Effects on Lifestyle

Some potential problems experienced by individuals who have had a TIA include:

  • Ability to drive
  • Heightened risk of a stroke
  • Speech problems
  • Weakness of limbs

Medications and Treatments

  • Anti-coagulants
  • Aspirin
  • Blood pressure medication
  • Clopidogrel
  • Dipyridamole
  • High cholesterol medication
  • Statin
  • Warfarin

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Talk to a Friendly Adviser

Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

Summary definition

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.

Other Services Available

You can apply for any of the following services through ourselves

* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.

Further Reading and Research