Tetralogy of Fallot & Life Insurance

Request a Callback

By clicking on submit I / We give consent for you  to call me / us on the number provided to discuss my / our financial requirements.

Life Insurance, Critical Illness Cover and Income Protection for people who have had Tetralogy of Fallot

Tetralogy of FallotAlso Known as: Fallot’s tetralogy

Linked with: Pulmonary stenosis, ventricular septal defect (VSD), over-riding aorta, hypertrophy, heart murmur, abnormal heart rhythm, 22q11 deletion, Down’s Syndrome, infective endocarditis

Possible Symptoms: Hypercyanotic attacks (spells), blue colour to skin, loss of consciousness 

Life Insurance

Life Insurance for people who have been diagnosed with tetralogy of fallot will be dependent upon whether total corrective heart surgery has been performed and if there is any resultant heart enlargement. Where surgery has been conducted and the heart is relatively normal it is possible that some insurers may accept your application for Life Insurance with small premium loadings. If surgery has not been performed or there is evidence of heart enlargement any policy that you are offered will probably come with high premium loadings, or your application may be declined altogether.

Critical Illness Cover

Critical Illness Cover for those with fallots tetralogy can be available if total corrective surgery has been performed, but you will need to approach a specialist provider who will consider you for cover. If your application is accepted, this is not guaranteed, it is likely that your policy premiums will be increased to offset the added risk of your health.

Income Protection

Income Protection for people with tetralogy of fallot may be available with a number of select providers but this will be highly dependent upon whether total corrective surgery has been successfully completed. Where Income Protection is available it will almost certainly come with increased premiums due to the higher risk of you claiming on the policy due to your health.

If you are declined Income Protection cover or find that the policy terms on offer are not to your liking it is worthwhile considering Accident, Sickness and Unemployment Cover. Accident, Sickness and Unemployment Cover provides short-term income replacement in the event that you are unable to work due to disability, injury or involuntary redundancy. The cover is not medically underwritten at the point of application which means that your policy can be accepted without consideration of your medical history. Whilst this is the case you must be prepared that should you place a claim on the policy existing conditions are often excluded from acceptable claims. This means that should you be unable to work due to complications arising from the fallots tetralogy then your claim will not be approved.

Possible Effects on Lifestyle

Some potential problems experienced by individuals who have tetralogy of fallot include:

  • Fertility considerations
  • Regular specialist check-ups

Medications and Treatments

  • Open heart surgery
  • Shunt opeation
  • Valvoplasty
  • For more information on specific health conditions, pastimes, occupations and countries please select here:

Client Reviews

Tetralogy of Fallot

Talk to a Friendly Adviser

Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

Get a Quote

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.

What We Offer?

  • Experienced and knowledgeable advisers
  • Specialist advice with no fees to pay
  • Full assistance with all of your paperwork
  • Put your policy into trust at no cost
  • A dedicated insurance adviser for you

Guides & News

Here’s our latest guides, musings, charity work, podcast, awards and industry updates. There’s a lot going on!

Our Recent Awards

Tetralogy of Fallot
Tetralogy of Fallot
Tetralogy of Fallot
Tetralogy of Fallot
Tetralogy of Fallot