Life Insurance after a heart attack is available with many 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: how many heart attacks you have had, the age when the attack occurred, treatments administered 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.
Critical Illness Cover is available for those who have had a heart attack may be available with some insurers, with a cardiovascular exclusion. 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 hear attack.
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.
Possible Effects on Lifestyle
Some potential problems experienced by individuals who have had a heart attack include:
For more information on specific health conditions, pastimes, occupations and countries please select here:
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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.
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