Coronary Angioplasty life insurance, critical illness cover and income protection
A Coronary Angioplasty is a heart procedure that is carried out in a patient when they have coronary arteries which are blocked or have become narrowed. The coronary arteries are the main arteries supplying blood to the heart, hence the importance of the procedure. Generally speaking, a stent is often fitted in modern angioplasty procedures. This is left in place permanently to allow blood to flow through more easily.
Coronary Angioplasty procedures are most commonly carried out on older people. This is because arteries can become harder and more narrow as we age.
This in turn can cause coronary heart disease or angina, which happens when blood flow to the heart becomes restricted. In the case of angina, a Coronary Angioplasty procedure can also be used to restore blood flow to the heart.
In many cases, blood flow to the heart is effectively restored following an Coronary Angioplasty, with many patients noticing significant improvement to their quality of life and an easing of their symptoms.
Because Coronary Angioplasty procedures are generally carried out on older people aged 65 or over, some complications can occur. Serious complications from surgery depend on the following factors:
- Age
- General health
- Whether you smoke
- Whether you have experienced a heart attack
- Whether you have experienced heavy bleeding
- Whether you have had a stroke
How Coronary Angioplasty life insurance, critical illness cover and income protection works:
Insurers will consider the following criteria for underwriting an application for Coronary Angioplasty life insurance:
- When you had your Coronary Angioplasty
- Number of arteries affected
- Condition of your arteries
- Severity of your condition
- Additional medical complications
- Age
- General health and lifestyle
- Medications being taken
At The Insurance Surgery, we are leading Coronary Angioplasty life insurance specialists. This is because we carefully assess every person’s circumstances differently to identify the best cover plans for their needs. Simply fill in your details into one of our online forms to receive a free no-obligation quote for Coronary Angioplasty life insurance.
Coronary Angioplasty life insurance
Underwriting for Coronary Angioplasty life insurance will depend on the following factors. Insurers will want to know the following information in order to assess your application:
- The particular arteries that are affected
- Whether you have had a heart attack, angina or stroke
- The underlying condition that caused the need for the procedure
- Your current state of health following the operation
It is likely that given the seriousness of Coronary Angioplasty surgery, an insurer will want to see a medical report from your GP to gain an idea of your current health and the state of your health before the procedure. If there are any underlying health conditions, it is likely that you will be offered life insurance with increased premiums.
If however you have had surgery and have experienced no presence of underlying conditions and a good bill of health, an insurer may accept you with standard terms.
Some life insurance applications can be easily accepted and underwritten online, but always bear in mind that an insurer may want to discuss your application with you in more detail to determine the severity of your condition.
They may want extra details of medications you are taking, the date of your initial diagnosis and need for surgery, and details of any other medical-related complications.
At The Insurance Surgery, we have helped many people find the right Coronary Angioplasty life insurance cover for their needs.
Coronary Angioplasty critical illness cover
Critical illness cover could be available to you following Coronary Angioplasty surgery, although this will depend on your circumstances. Cover will depend on whether there have been any post-surgery complications, and whether these have had any impact on your general health and lifestyle.
Applications for critical illness cover can be stricter than applications for life insurance. An insurer is likely to want to view medical records in relation to your Coronary Angioplasty surgery. If your symptoms are seen as more severe, you might be offered cover with non-standard terms that are bespoke to your situation. If you have had surgery with no complications and have a healthy lifestyle that is unaffected by your condition, you may be offered cover at a standard rate. Get in touch with us at The Insurance Surgery for more details and to be put in touch with insurers offering critical illness cover that meets your needs.
Coronary Angioplasty income protection
It is highly unlikely that you will be eligible for standard terms regarding personal income protection if you have had a Coronary Angioplasty procedure. This is because many insurers will perceive you as a high risk, because your condition and the result of your surgery may mean that you need more time off of work due to your health.
If you are self-employed or own your company, there may be income protection options for you.
Speak to one of our advisors at The Insurance Surgery for more information.
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Useful Links
The Insurance Surgery is a specialist life insurance expert for people who have had a Coronary Angioplasty procedure. We can help you compare the market to find the right insurance cover for your needs and personal circumstances. Get in touch with us today for a free quote.
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