You may think that if you have had a heart attack or suffer from other heart related conditions you will not be able to get life insurance. Whilst insurance companies will want to know more about your condition there are a number of insurers who will consider your application. At The Insurance Room we have helped people with heart conditions find policies giving both them and their family’s piece of mind. Your Insurance Room consultant will run through questions relating to your specific condition and will search the market on your behalf meaning you only have to answer these questions once.
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Getting Insurance After A Heart Attack
Although having personal insurance is incredibly important, it isn’t uncommon for people not to have policies in place. Often, people won’t think about getting life insurance, critical illness insurance or income protection insurance until they have been diagnosed with a medical condition or they have experienced a health scare.
Having protection in place in case you experience another problem with your health is really important and you shouldn’t put off finding a suitable policy. When you’re applying for everyday insurance, your medical history will impact the insurance premiums you’re offered and if you have had a heart attack or you have been diagnosed with a heart condition, insurance companies will always take this into consideration. Below we have looked into getting insurance after a heart attack in more detail.
How does having a heart attack affect your insurance policies?
Having a heart attack can make your insurance premiums more expensive and often, heart-related conditions will influence any type of insurance you are buying. The heart is one of the most essential organs in the body and if you have problems with your heart, an insurance provider will often consider you to be very ‘high risk’.
There is a chance that your heart condition will increase the likelihood of you needing to claim on any insurance policy you take out and insurance companies will be conscious of this. In order to cover the risk of insuring you, a provider may charge you an increased premium and they may include some exclusions in the policy as well. The insurance products available will differ from one insurance company to another and they will also differ depending on your individual medical and lifestyle circumstances as well.
Even though having a heart attack or a heart condition can impact your insurance policies, it is still important to get suitable insurance. If anything was to happen in the future, whether this is related to your heart or not, having an insurance policy in place can provide peace of mind to you and your family. Knowing that you can make a claim and get some financial support is really advantageous, and insurance policies can be a brilliant safety blanket.
Can you get everyday insurance after a heart attack?
Often people will assume they can’t get insurance, especially life insurance, if they have had a heart attack, but this isn’t actually the case. Like all other health conditions, it is possible to get insurance policies when you have heart-related conditions and lots of insurance providers will consider your application. However, you may find that it is more difficult to get a policy with competitive terms due to your medical history.
Insurance companies will want to learn more about your heart-related condition before they offer you a policy and you can expect them to ask a few questions. They will likely ask about how old you were when you had the heart attack, how severe the heart attack was, what treatment you had and also what current problems you are experiencing with your heart. Some insurance companies may even request access to medical records relating to your specific condition too.
It is important to note that you need to be as honest as possible when you’re filling in an application form for insurance after a heart attack and lying about your medical history will probably invalidate any future claims. Being honest will also help you to ensure you’re taking out the most appropriate policy for your current circumstances.
Finding insurance in your circumstances
We understand that getting insurance when you have a pre-existing medical condition or a complicated medical history can be difficult, time-consuming and expensive, but our team at The Insurance Room can make things easier for you. We have been advising clients since 2001 and as whole of market advisors, we will search the whole insurance market to find the best policy for you. You will have your own dedicated Protection Specialist by your side throughout the whole process and every member of our team is happy to help in any way they can.