Life Insurance for people who have had a pulmonary embolism will generally require a report from your GP to establish your overall state of health. The insurer will use this report to determine how many recurrences you have had of the condition, time since the last episode, the cause of the condition and any medications and/or treatments that have been in use. Where the pulmonary embolism has been a single episode and there has been no strong medication in use the insurer may be able to offer Life Insurance at normal terms. If there have been multiple occurrences of the condition and/or strong medications have been used, the insurance provider may offer Life Insurance at non-standard terms (price increase) or decline to offer cover.
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Critical Illness Cover
Critical Illness Cover applications for those who have a history of pulmonary embolism will also need to be reviewed in conjunction with a report from your GP. The insurance provider that you approach will want to know how many times the condition has been present, the reasons the embolism occurred, how long it has been since the last episode and what medications and treatment methods have been used. If the pulmonary embolism has occurred once and not required strong medication to correct, the insurance provider may be able to offer Critical Illness Cover at standard terms. Where there have been multiple events and/or strong medications have been used, the insurer may be able to offer Critical Illness Cover at special terms or in more severe cases they may choose to decline the application.
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Income Protection for people who have had a pulmonary embolism may be available at normal terms depending upon the severity of the condition. For those where the condition has presented once and did not require strong medication, normal terms may be available with some insurers. The insurance provider will be particularly interested in how many times the condition has recurred and whether or not it has affected your ability to work in the past; especially if you have had time off work due to the condition. If the condition has had multiple recurrences and strong medications have been used then it is possible that the insurer may offer cover at special terms (premium increase) or decline to offer cover.
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Should you find that the terms provided for Income Protection do not suit your needs then it is worthwhile considering Accident, Sickness and Unemployment Cover. This alternative policy provides a monthly income replacement of between 12 and 24 months if you are unable to work due to long-term disability, injury or involuntary redundancy. Accident, Sickness and Unemployment policies are not medically underwritten meaning that your condition will have no bearing on the acceptance terms of the policy. However you should be fully aware that any claim that you make on the policy will exclude anything related to your pre-existing medical history.
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