Quadruple Heart Bypass & Life Insurance
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We understand that having a quadruple heart bypass is no small task. You have probably had the surgery due to having had a heart attack and/or blockages within the arteries, so not only do you need to recover from surgery, you also need to recover from the physical and emotional scare of finding out that you had coronary heart disease. But we also understand that once you have had surgery you can be back up and on your feet within a few months. It is our job to step up for you and find an insurer that can support you, now that you are recovered from the surgery.
Things we need to know:
- When did you have open heart surgery?
- Why did you need a quadruple heart bypass?
- Do you take any medication?
- Did you have a stent fitted?
- Have you experienced any complications i.e. stroke?
- Are you blood pressure and cholesterol well controlled?
- Do you have any other conditions, such as diabetes, that we should know about?
- Are you fully recovered from the surgery?
Depending upon the cause of you having the bypass surgery, the time since it was performed and how your recovery is going, it is possible that you could get Life Insurance on the standard market. In general, any Life Insurance that you can arrange will be at non-standard terms, where the premium is increased to offset any risk that the insurer believes can be present after open heart surgery. There are specialist Life Insurance options for people that have had quadruple heart bypass surgery, if options on the standard market are not available.
It is important to note that you can arrange non-medically underwritten Life Insurance, if you are due to have a quadruple heart bypass soon, but it will exclude any claim relating to your surgery.
Critical Illness Cover after a quadruple heart bypass may be available with certain specialist insurers. Any offer of Critical Illness Cover that you get however will exclude claims relating to your heart, and whilst this may not seem ideal, there are still many conditions that you will be insured for.
Long term Income Protection after quadruple bypass surgery is unlikely to be available on an individual life basis. You may be able to become a part of a Group Income Protection scheme, that is funded by your employer, if they are willing to look at this option or you have your own company.
What is Quadruple Heart Bypass
Quadruple heart bypass surgery is performed with the arteries leading to your heart become narrowed, and cause significant issues to your health e.g. a heart attack. During this type of open heart surgery you will be unconscious, while the surgeons take grafts from blood vessels within your body, to repair the damage to your heart. Quadruple heart bypass surgery involves placing grafts above and below the narrowing or blockage, on all four coronary blood vessels.
Also: Coronary Artery Bypass Graft, CABG
Linked with: Heart attack, high cholesterol, high blood pressure, coronary heart disease, stroke, atherosclerosis, angina, atrial fibrillation, diabetes, chronic kidney disease, chronic obstructive pulmonary disease
Possible Effects on Lifestyle
Some potential problems experienced by individuals who have had a quadruple heart bypass include:
- Chest Pain
- Dietary restrictions
- Difficulty sleeping
- Fitness planning
- Loss of appetite
- Memory problems
- Mood swings
- Reduce alcohol consumption
- Reduced kidney function
Medications and Treatments
- Angiotensin-converting enzyme (ACE) inhibitor
- Atorvastatin (Lipitor)
- Blood vessel graft – arm (radial artery)
- Blood vessel graft – chest (internal mammary artery)
- Blood vessel graft – leg (saphenous vein)
- Cardiac rehabilitation
- Coronary angioplasty
- Endoscopic saphenous vein harvesting (ESVH)
- Fluvastatin (Lescol)
- Heart-lung bypass machine
- Kidney dialysis
- Off-pump coronary artery bypass surgery (OPCAB)
- Simvastatin (Zocor)
- Stent fitting
- Totally endoscopic robotically assisted coronary artery bypass (TECAB)
Further Reading and Research
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Speak to us. Its never easy being refused life insurance, many of our clients have come to us because they have been in the same position as you. There are a number of insurers that can look at your application for Life Insurance. Depending upon the reason that you had the open heart surgery and how your health is now, we may be able to look at carefully selected insurers on the standard market. But, if the standard market ends up being a no go, there are specialist insurers that we can speak to for you.
Yes. There are a few options we can look at, and once we know a bit more about your circumstances, we can recommend the right one for you.
Yes we can. It is quite common for people with pre-existing medical conditions to be declined life insurance with their bank. Once we know a bit more about you, we can recommend which insurer is going to be the best one for you. We are not tied to a single insurance provider like many banks are, so we can research the whole of the market to get life insurance that suits you.
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Review by Claire on 14th June 2018
“Extremely helpful and managed to search the market for an appropriate product given health complications.” - 5
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