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Life Insurance

Life Insurance for people with bradycardia may be available at standard terms depending upon the severity of the condition. The insurer is more likely to look favourably at your application if your pulse rate is above 40 and they will want to see a report from your GP to confirm your most recent pulse rate and any specific cause for the bradycardia. If your pulse rate is below 40 then the insurer will probably review your case on an individual basis.

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Critical Illness Cover

Critical Illness Cover for people with bradycardia will be reviewed in a similar manner to Life Insurance. A GP report will be requested and paid for by the insurer to establish the severity of the condition and confirm how long the time has been since diagnosis, the medications and/or treatments that are in use and your resting heart rate. Similarly to the above, if your pulse rate is above 40 then you may be able to secure Life Insurance at standard terms with some insurance providers. Again, for those with a heart rate below 40 the application for Critical Illness Cover will need to be reviewed on a case by case basis.

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Income Protection

Terms for Income Protection for those with bradycardia will also be largely dependent upon the resting pulse rate of the individual applying for cover. Normal terms of cover will probably be available to those with a resting heart rate above 40 beats per minute. The insurer that you approach will want to see a report from GP to establish how the condition impacts upon your general health and if it has caused you to have any time off work in the past. Where the heart rate is below 40 beats per minute the application for Income Protection will be reviewed on a case by case basis and it is not possible to indicate terms of cover that you may receive.

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Possible Effects on Lifestyle

Some potential problems experienced by individuals who have bradycardia include:

  • Shortness of breath whilst exercising
  • Trouble concentrating
  • Fainting

Medications and Treatments

  • ECG
  • Holter monitor / cardiac event monitor
  • Pacemaker

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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

Bradycardia is diagnosed when an individuals resting heart rate is considered to be lower than normal parameters; typically 60 beats per minute. When an individuals resting heart rate is less than 40 beats per minute then they are considered to have absolute bradycardia. It is possible to have a low resting heart rate if you are young or athletic, however a slow heart rate can be indication of problems within the hearts functioning.

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