Heart Attack & Life Insurance
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Having a heart attack can be a terrifying experience, one that no one can appreciate unless it happens to them.
We work to find you the most suitable insurance policy that you can have, with an insurer who is sympathetic towards your health.
Things we need to know:
- How many heart attacks have you had?
- When did the heart attack happen?
- How many vessels were affected?
- Did you need to have surgery?
- Was a stent fitted?
- Has the heart attack left you with any lasting symptoms?
- Are your blood pressure and cholestoral under control?
Life insurance after a heart attack is often available with a number of insurance companies. If you have had a heart attack, life insurance applications will generally be considered once you have passed six months since the event (some can consider earlier).
It is possible that the insurer may want to speak with your GP, so that they can confirm all of the details surrounding your heart attack and any other additional medical conditions that you have. This is quite a standard process for people who have medical conditions and should cause no concern.
If you have not had any other significant health conditions in your medical history, it is likely that your insurance application will be accepted by quite a few insurers.
The life insurance will probably be offered at what is known as non-standard terms. This is usually a premium increase. Typically, the longer it’s been since your heart attack, the lower the premium increase will be.
If you have any other medical conditions like diabetes, life insurance may still be available, but will probably need to be through a specialist insurance provider.
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.
Critical illness cover may be available with some insurers following a heart attack, with a cardiovascular exclusion.
Some of the options available have quite strict eligibility. We recommend that you speak with one of our experienced insurance advisers before arranging this type of policy, so that you are fully aware of what is and is not covered.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection for people that have had a heart attack can sometimes be arranged with a cardiovascular exclusion.
The insurer will want to know whether or not you have been able to return to work. They are likely to ask if you are back at work full-time in your usual job role, of if you have needed to change your hours or duties.
When arranging an income protection policy it is best to try and arrange the cover under an own occupation definition. This means that you will be able to make a claim if you are unable to do the exact job that you do right now.
If full income protection is not available to you, you may wish to look at short-term income replacment in the form of Accident, Sickness and Unemployment cover. This is a non-underwritten policy that offers protection for 12-24 months but will not cover you for claims linked to your heart.
Are you planning on a trip abroad soon? We have teamed up with a specialist travel insurance broker who can offer comprehensive cover for most medical conditions. Make sure that you have the correct travel insurance for you by requesting your no obligation heart attack travel insurance here.
What is a Heart Attack?
Heart attacks occur when the usual flow of blood to the heart is interrupted in some way, often due to a blood clot. A blood clot develops when excess fatty materials (atheroma) build up within the arteries, this plaque becomes dislodged and presents a potential blockage within the circulatory system. Heart attacks often come with sudden chest pain however in some circumstances people can have ‘silent’ heart attacks which have no accompanying pain.
Risk of cardiovascular disease can be increased by age, smoking, diet, high blood pressure, high cholesterol and lack of exercise. Heart attacks can be confirmed by a blood test that checks the level of troponin or creatine kinase (CK-MB). ECGs are also used to determine the type of myocardial infarction that as occurred.
Also: Myocardial infarction, MI, acute myocardial infarction, AMI
Some potential problems experienced by people that have had a heart attack include:
- Acute anxiety
- Being light-headed
- Cardiogenic shock
- Chest pains
- Feeling of weakness
- Heart rupture
- Pain in the arms
- Shortness of breath
- Abciximab (ReoPro)
- Acebutolol Hydrochloride (Sectral)
- Adrenaline acid tartrate (Minijet adrenaline)
- Alteplase (Actilyse)
- Amiodarone Hydrochloride (Codarone X, Minijet amiodarone)
- Aspirin (Angettes, Micropirin, Nu-Seals)
- Atropine Sulphate (Minijet Atropine)
- Bivalirudin (Angiox)
- Captopril (Acepril, Ecopace)
- Clopidogrel (Plavix)
- Dalteparin (Fragmin)
- Disopyramide (Rythmodan capsules)
- Disopyramide phosphate (Rythmodan)
- Dobutamine hydrochloride
- Dopamine hydrochloride (Selectajet Dopamine)
- Enoxaparin Sodium (Clexane)
- Eplerenone (Inspra)
- Eptifibatide (Integrilin)
- Flecainide acetate (Tambocor)
- Fluvastatin Sodium (Lescol)
- Heparin sodium (Multiparin)
- Lidocaine hydrochloride (Minijet Lidocaine, Sure-Amp Lidocaine)
- Losartan (Cozaar)
- Perindopril arginine (Coversyl Arginine)
- Prasugrel hydrochloride (Efient)
- Pravastatin sodium
- Propranolol Hyrochloride (Syprol)
- Ramipril (Lopace, Tritace)
- Reteplase (Rapilysin)
- Rosuvastatin (Crestor)
- Sodium Bicarbonate (Minijet Sodium Bicarbonate)
- Streptokinase (Streptase)
- Telmisartan (Micardis)
- Tenecteplase (Metalyse)
- Ticagrelor (Brilique)
- Timolol Maleate (Betim)
- Tirofiban hydrochloride (Aggrastat)
- Trandolapril (Gopten)
- Urokinase (Syner-Kinase)
- Valsartan (Diovan)
- Verapamil Hydrochloride (Cordilox, Securon, Univer, Vera-Til, Vertab, Zolvera)
Firstly, don’t panic. Where one insurance company may have declined/refused you life insurance, there are plenty of others that regularly insure people who have had heart attacks. The key thing is knowing which insurers to approach with your application, this is where we can step in and help you.
Insurance policies are set up at normal rates or non-standard rates (also known as special terms). Normal rates mean that the insurance policy has been set up at the basic premium that the insurer can offer, based upon your circumstances. A life insurance policy arranged at non-standard rates will most likely have had an increase placed on the monthly premium, to offset the added risk that the insurer feels is present of there being a claim on the policy, with you having had a heart attack. It is very common.
The Special Risks Bureau has been rated 5 out of 5 based on 453 reviews.
Review by Ruth and David on 14th June 2019
“Before finding Cura we had tried a few other places for life insurance. Every one of them made it complicated and massively time consuming, not to mention costly. Cura did everything for us, I kept waiting for the catch but there wasn't one. All done and dusted with no effort from us, they do it all. And the cost was more than impressive. I'd definitely recommend them to a friend and absolutely I'd use them again. They're there for you afterwards too if you need further advice. Customer care is a rarety these days but Cura have it in abundance. Really pleased I found them. Thanks Cura” - 5
You can read more of our reviews here.
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