Tachycardia & Life Insurance
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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, the type of tachycardia that is present, the regularity of episodes and what treatment is in place. 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 those with mild tachycardia that is limited to ectopic beats 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).
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 attacks. 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 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.
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
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