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 will need to be placed with a specialist provider and many of the policies will exclude claims relating to the angioplasty. Whilst this may not sound ideal, there are many conditions that you could still claim on that are not related to your heart condition.
There are some Income Protection policies for those who have undergone a coronary angioplasty. There are specific conditions that must be met in order to qualify for the Income Protection policy, and it is possible that you may fall outside of the acceptance criteria. The best options that you could have, could be through an employer funded Income Protection plan. If you want to discuss arranging Group Income Protection through your own employer, or through your own company, please speak with one of our advisers.
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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.
Are you going abroad? It could be worthwhile speaking with a specialist broker who can explain what your travel insurance covers, when it comes the coronary angioplasty. For more details please visit our dedicated travel page here.
Possible Effects on Lifestyle
Some potential problems experienced by individuals who have had a coronary angioplasty include:
Medications and Treatments
For more information on specific health conditions, pastimes, occupations and countries please select here:
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Summary definition
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.
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
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