Tachycardia & Life Insurance
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Receiving a diagnosis of tachycardia can make you start to think about the future. You might be wondering how having tachycardia could influence your life insurance. Finding an insurer that suits your needs is the first step.
What we need to know to get started:
- When were you diagnosed with tachycardia?
- What type of tachycardia do you have?
- What treatment or medication do you use?
- Does having tachycardia affect your ability to do day to day tasks, or work?
Life insurance for people with tachycardia can be available with a number of insurance providers. The insurer that you approach will want to know what investigations you have had, how often you experience symptoms and how you manage the conditions. The insurer may want to know details about your heart rate and will probably want to see a report from your GP to confirm this information.
For people living with mild tachycardia it is possible that life insurance may be available at normal terms. Where more severe forms of tachycardia are diagnosed, such as supraventricular tachycardia, if life insurance is available it will may be at non-standard terms (premium increase).
We know that a premium increase will not sound like a positive outcome. It doesn’t make it any better but it is good to know that the basic premiums for life insurance are usually very cheap, so any increases are often nowhere near as big as people expect.
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 for people with tachycardia may also be available at standard terms depending upon the severity of diagnosis, treatments in use and regularly of symptoms. The milder the condition the more likely it is that normal terms will be available for Critical illness cover.
If a more severe form of tachycardia is present, strong medications are in use and/or there are regular flare ups of the condition, it is possible that the insurer may choose to offer critical illness cover at special terms (premiums increase).
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection for people with mild tachycardia will generally be available at standard terms if you place your application with an insurer that offers favourable terms for the condition.
Where a more severe form of tachycardia is present the insurer may choose to offer non-standard terms for income protection (premium increase). The insurer will be particularly interested in the results of any investigations you have had, the types of medications that are in use, the time since diagnosis and the frequency and severity of the attacks that you experience.
When you go on holiday the last thing that you want to do, is worry that you don’t have the right insurance. It’s always worthwhile making sure that when you get travel insurance, that it suits you and your health, and will do what you want it to do, if you need to use it. See our dedicated travel insurance page.
What is Tachycardia?
The most common form of tachycardia is supraventricular tachycardia which is characterised by periods of an increased heartbeat that can last anywhere from a couple of seconds to days. These ectopic beats are fast and irregular and are not generally life threatening. The causes can be a secondary medical condition or triggers such as stress, certain medications, excessive caffeine or alcohol consumption.
Also known as: Supraventricular tachycardia (SVT), atrioventricular nodal re-entry tachycardia (AVNRT), atrial tachycardia, postural tachycardia syndrome (PoTS), ventricular tachycardia
Linked with: Wolff-Parkinson-White syndrome (WPW), atrial fibrilation
- Fast heartbeat
- Chest pain
I’m sorry to hear that you have been finding it hard to get life insurance. Our advisers are trained to speak with you, listen to your needs and get as much information as possible about your health so that we can find the right insurer for you.
It might be that we can find an insurer for you on the standard market, or we many need to go to a specialist insurer for you life insurance. Once we have had a chance to speak with you properly, we can give you a good idea of what will be available.
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Review by Roy on 7th June 2022
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