Having a heart attack can be a terrifying experience, one that no one can appreciate unless it happens to them. We work to find you the most suitable insurance policy that you can have, with an insurer who is sympathetic towards your health.
Things we need to know:
Life Insurance after a heart attack is often available with a number of insurance companies. Heart attack Life Insurance applications will generally be considered once you have passed six months since the condition presented itself (some can consider earlier). It is possible that the insurer may want to speak with your GP in order to confirm all of the details surrounding your heart attack and any other additional medical conditions that you have. This is a standard process within insurance applications for individuals who have existing conditions and should cause no concern.
Provided that there are no other significant health conditions in your medical history, it is likely that your insurance application will be accepted at non-standard terms, whereby the policy premium is loaded to offset the added risk. Typically, the longer the time period since your heart attack, the lower the premium loading will be.
If you have a secondary condition like diabetes cover is still likely to be available, but would be through a specialist insurance provider.
Critical Illness Cover may be available with some insurers following a heart attack, with a cardiovascular exclusion. This is a limited offering and acceptance criteria is very strict so we recommend that you speak with an insurance adviser before arranging these policies so that you are fully aware of what is and is not covered.
Income Protection for people who have had a heart attack can be arranged with a cardiovascular exclusion, in some instances. The insurer will want to know whether or not you have been able to return to work, in the same or similar capacity, as you were doing before the heart attack. When arranging an income protection policy it is best to try and arrange the cover under an own occupation definition. This means that you will be able to make a claim if you are unable to do the exact job that you do right now.
If full Income Protection is not available to you, you may wish to look at short-term income protection in the form of Accident, Sickness and Unemployment cover. This is a non-underwritten policy that offers protection for 12-24 months but will not cover you for conditions linked to your heart attack (or another heart attack).
Are you planning on a trip abroad soon? We have teamed up with a specialist travel insurance broker who can offer comprehensive cover for most medical conditions. Make sure that you have the correct travel insurance for you by requesting your no obligation heart attack travel insurance here.
What is a Heart Attack
Heart attacks occur when the usual flow of blood to the heart is interrupted in some way, often due to a blood clot. A blood clot develops when excess fatty materials (atheroma) build up within the arteries, this plaque becomes dislodged and presents a potential blockage within the circulatory system. Heart attacks often come with sudden chest pain however in some circumstances people can have 'silent' heart attacks which have no accompanying pain.
Risk of cardiovascular disease can be increased by age, smoking, diet, high blood pressure, high cholesterol and lack of exercise. Heart attacks can be confirmed by a blood test that checks the level of troponin or creatine kinase (CK-MB). ECGs are also used to determine the type of myocardial infarction that as occurred.
Also: Myocardial infarction, MI, acute myocardial infarction, AMI
Possible Effects on Lifestyle
Some potential problems experienced by individuals who have had a heart attack include:
Medications and Treatments
Further Reading and Research
1. I have been declined life insurance because I had a heart attack, what can I do?
Firstly, don't panic. Where one insurance company may have declined/refused you life insurance, there are plenty of others that regularly insure people who have had heart attacks. The key thing is knowing which insurers to approach with your application, this is where we can step in and help you.
2. I have been offered life insurance at non-standard rates because I had a heart attack, what does this mean?
Insurance policies are set up at normal rates or non-standard rates (also known as special terms). Normal rates mean that the insurance policy has been set up at the basic premium that the insurer can offer, based upon your circumstances. A life insurance policy arranged at non-standard rates will most likely have had an increase placed on the monthly premium, to offset the added risk that the insurer feels is present of there being a claim on the policy, with you having had a heart attack. It is very common.
The Special Risks Bureau has been rated 4.9 out of 5 based on 176 reviews.
Review by Ruth and David on 14th June 2018
“Before finding Cura we had tried a few other places for life insurance. Every one of them made it complicated and massively time consuming, not to mention costly. Cura did everything for us, I kept waiting for the catch but there wasn't one. All done and dusted with no effort from us, they do it all. And the cost was more than impressive. I'd definitely recommend them to a friend and absolutely I'd use them again. They're there for you afterwards too if you need further advice. Customer care is a rarety these days but Cura have it in abundance. Really pleased I found them. Thanks Cura” - 5
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