Heart Condition

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Life Insurance, Critical Illness Cover and Income Protection for people with a Heart Condition

Well known conditions:

Transcript for the CuraVision Quadruple Heart Bypass video is available here.

Life Insurance

Getting Life Insurance when you have a heart problem will largely depend on the severity of the condition. At the point of application you will need to provide the Insurer with full details of your condition, the medication that you take and if there are any ongoing symptoms.

For mild and well controlled heart conditions (such as mild arrhythmia and innocent heart murmurs applications can often be underwritten at standard terms (no price increase). For more severe heart conditions (such as heart attacks and cardiomyopathy) Insurers are likely to offer an increased premium and request a report from your GP before offering cover. The final premiums will depend on the severity of the condition and the information your GP provides. Please see the links below to see further information about how your heart condition could affect your Life Insurance application.

Critical Illness Cover

As with Life Insurance, if you have a mild heart condition then you should be able to get Critical Illness Cover without too much difficulty and this could potentially be offered at standard terms as long as there are no other health concerns. More severe heart conditions however such as cardiomyopathy and heart attacks can make sourcing Critical Illness Cover much more difficult and in a lot of circumstances not available. We would always suggest speaking to an adviser to see if a policy of this nature can be offered for you. Please use the links below to see more detail regarding your health condition and Critical Illness Cover.

Income Protection

Heart Conditions:

The Special Risks Bureau regularly arrange Life, Life and Critical Illness and Income Protection application requests for the following heart conditions:

Possible Effects on Lifestyle

Some potential problems experienced by individuals who have haemophilia include:

  • Joint deformity
  • Family planning
  • Internal bleeding

Medications and Treatments

  • BeneFIX
  • Desmopressin acetate (DDAVP, Octim)
  • Eptacog Alfa
  • Factor II/Factor VII/Protein S/Factor X/Protein C/Factor IX
  • Factor IX high purity (AlphaNine, Replenine-VF)
  • Factor VIII/von Willebrand factor (Haemate P, Optivate)
  • Factor XIII (Fibrogammin P)
  • Immune tolerance induction (ITI)
  • Nonacog Alfa
  • Octocog Alfa (Helixate NexGen)
  • For more information on specific health conditions, pastimes, occupations and countries please select here:

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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.

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Please feel free to request a quote from us using our online form. The more information that you can provide us about your health conditions, hobbies, travel and/or occupation, the more accurate indications of price we’ll be able to give you.

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