Bradycardia & Life Insurance
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We know that it can be difficult for people with bradycardia to obtain life insurance.
This can be frustrating as some people may have bradycardia, not know about it, and be none the wiser when applying for insurance. Others have bradycardia because they are extremely fit and have developed a low heart rate.
The important thing is though, that if you have bradycardia, you need to make sure that you tell the insurer, if they ask you about heart related conditions.
We can help to simplify the application process and take some of the hassle out of it for you. Bradycardia affects people in different ways and symptoms can have varying degrees of severity.
Before starting the application process, we’ll need information from you like::
- How long you’ve been affected by the condition?
- Your resting heart rate?
- How your condition is managed?
In almost all cases, an application for life insurance for someone with bracycardia will require an insurer to seek a medical report from your GP. They’ll foot the bill for this themselves. It will help them to assess the cause of your condition, how well managed it is and your resting heart rate.
If your resting heart rate is only marginally below what is normally expected, then you might be able to obtain life insurance on terms that are close to standard. This means that if the insurer is looking to increase your premiums due to the bradycardia, it is not likely to be by much if any.
The stronger the condition and lower the heart rate, the more likely it is that insurers are going to increase the policy premiums. Whatever your situation is, we’ll work hard to make the application process as smooth as possible for you.
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
Any critical illness cover application for someone with bradycardia will need some key facts. Much in keeping with the life insurance application above, the insurer will need plenty of information about your condition, the symptoms that you have, your resting heart rate and any secondary conditions or complications.
Any insurer considering providing you with a critical illness cover is likely to ask your permission to see a report from your GP. This is to give them a bit more insight into your condition and overall health.
It’s likely that any policy will incur increased premiums. And generally speaking, the closer to normal that your resting heart rate is, the better your terms of cover will be.
We’ll explain the application process in full and take you through all the information the insurer is likely to require.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Bradycardia often means that an income protection policy application will need some added information about your health.
The insurer that your income protection application is placed with, is likely to want to see a report from your GP. Whether you are able to secure a policy and the sort of rates you are offered will vary significantly, depending on your symptoms and your resting heart rate.
Specifically with income protection, a key factor is how much time you have had off work as the result of your condition.
Depending upon your situation, availability of income protection may be limited to specific insurers that are able to consider your application. It could be that you are offered income protection at an increased premium or = exclusions relating to the bradycardia.
If you’re planning a holiday or any sort of travel, you’ll have to declare bradycardia on your travel insurance application. Speak to a specialist travel insurance broker who can help you to get the right cover based on your condition. Find out more by visiting our travel page here.
What is Bradycardia?
Bradycardia is diagnosed when an individual’s resting heart rate is considered to be lower than normal parameters; typically 60 beats per minute. When an individual’s resting heart rate is less than 40 beats per minute they are considered to have absolute bradycardia. It is possible to have a low resting heart rate if you are young or athletic, however a slow heart rate can be indication of problems within the hearts functioning.
Also: Absolute bradycardia, sinus bradycardia, bradyarrhhtmias
Linked with: Abnormal heart rhythms, arrhythmias, Stokes-Adams attacks, congestive heart failure, hypothyroidism, Cushing’s reflex, acute mycoardial infraction, sick sinus syndrome, coronary heart disease, heart attack, endocarditis, myocarditis, atrial fibrillation, Tachy-brady syndrome, high blood pressure
Some potential problems experienced by individuals who have had Bradycardia may include:
- Chest pain
- Shortness of breath whilst exercising
- Sinus pause (sinus arrest)
- Trouble concentrating
- Holter monitor / cardiac event monitor
- CuraVision – The ABCs – Quadruple Heart Bypass
- Heart Attacks and Diabetes Statistics 2019
- Heart Conditions and Insurance
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