We know that it can be difficult for sufferers of bradycardia to obtain life insurance. The annoying thing is that some people may have bradycardia, not know about it, and be none the wiser when applying for insurance. The important thing is though, that if you have bradycardia, you need to make sure that you tell the insurer, if they ask you about heart related conditions.
We can help to simplify the application process and take some of the hassle out of it.
Bracycardia affects people in different ways and patients can exhibit symptoms with varying degrees of severity.
Before embarking upon the application process, we'll need information from you like::
In almost all cases, an application for life insurance for someone with bracycardia will require an insurer to seek a medical report from your GP. They'll foot the bill for this themselves, but it will help them to assess the cause of your condition, how well managed it is and your resting heartrate.
If your resting heart rate is only marginally below what is normally expected, then you might be able to obtain cover on terms that are close to standard. As you would imagine, the more serious the condition and lower the heart rate, then the is going to assess whether they feel that they need to increase your premiums to offset any added risk that your heart conditions presents.
Whatever the severity of your condition, we'll work hard to make the application process as smooth as possible for you.
Any critical illness cover application for someone with bracycardia will need a lot of information. Much in keeping with the life insurance application mentioned above, the insurer will need plenty of information about your condition, its severity, resting heart rate and any secondary conditions or complications.
Any insurer considering providing you with a critical illness cover is likely to request a GP report for insight into your condition, overall health and the severity of symptoms.
It's likely that any policy will incur increased premiums. And generally speaking, the closer to normal that your resting heart rate is, the better your terms of cover will be.
We'll explain the application process in full and take you through all the information the insurer is likely to require.
Bracycardia often means that an income protection policy application will need some added information about your health.
Once again, the insurer is likely to want to obtain a report from your GP. Whether you are able to secure a policy and the sort of rates you are offered will vary significantly, depending on the severity of your symptoms and your resting heart rate.
Specifically with income protection, a key factor is how much time you have had off work as the result of your condition.
The availability of cover may be somewhat limited with increased premiums and certain exclusions around your current condition.
If you're planning a holiday or any sort of travel, you'll have to declare bracycardia on your travel insurance application. Speak to a specialist travel insurance broker who can help you to get the right cover based on your condition. Find out more by visiting our travel page here.
What is Bradycardia
Bradycardia is diagnosed when an individual's resting heart rate is considered to be lower than normal parameters; typically 60 beats per minute. When an individual's 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.
Also: Absolute bradycardia, sinus bradycardia, bradyarrhhtmias
Linked with: Abnormal heart rhythms, arrhythmias, Stokes-Adams attacks, congestive heart failure, hypothyroidism, Cushing's reflex, acute mycoardial infraction, sick sinus syndrome, coronary heart disease, heart attack, endocarditis, myocarditis, atrial fibrilation, Tachy-brady syndrome, high blood pressure
Possible Effects on Lifestyle
Some potential problems experienced by individuals who have had Bradycardia may include:
Medications and Treatments
Further Reading and Research
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