What Is Supraventricular Tachycardia Life Insurance?
In general, it should be fairly easy for you to get life insurance with supraventricular tachycardia, as long as you have no major complications with your condition, or no other medical issues. If your condition is more severe, you still may be able to get cover, however you may have to pay a loading within your premium.
Risk of aortic rupture
Nosebleeds
Cramping sensations in the legs
Sensitivity to hot and cold
Weak muscles
Those with severe coarctation of the aorta usually require surgery, although this will depend on their age and overall health. The required procedure is one that widens the aorta, known as an angioplasty procedure.
How Supraventricular Tachycardia Life Insurance, critical illness cover and income protection works:
Insurers will assess these main criteria when considering underwriting and approving an application for a person who wants life insurance with coarctation of the aorta:
What medication you use (if any)
The severity of your condition
If you have had any medical issues associated with your condition
Critical Illness Cover
Similarly to supraventricular tachycardia life insurance, supraventricular tachycardia critical illness cover should be fairly easy to get, as long as your condition isn’t too severe.
If your condition is mild, and well controlled, it is possible that you can get supraventricular tachycardia at standard rates. However, the more flare ups that you have, and medications that are needed to control your condition the more of a risk you would present to insurers and therefore a loading may be added to your premium. It is also highly likely that an exclusion relating to the condition would be applied to your policy.
Income Protection Insurance
Again, similarly to both supraventricular life insurance and critical illness cover, supraventricular income protection should be simple to obtain. This however depends on the severity of your condition and any issues that you have had as a result of your supraventricular tachycardia.
If you have a very mild form of supraventricular tachycardia, then it is possible that you can get supraventricular tachycardia income protection for standard rates, however the more issues you have had with your condition will increase your premium, and in very rare circumstances may decline your application. Again, if we are able to obtain cover for you it is very likely that an exclusion relating to the condition would be applied to your policy.
Whatever the severity of your supraventricular tachycardia, we will always try our hardest to get you the best cover for you, so get in touch to ensure that you get the protection that you deserve
Coarctation of the Aorta life insurance
In general, life insurance for people with supraventricular tachycardia should be fairly easy to obtain, as long as your condition is not overly severe. It is likely that providers may request a doctor’s report with your application so that they can further assess the risk of your condition.
If they assess your condition to be fairly low risk, it is possible that you may be offered cover at standard rates, however if your condition presents more of a risk, then it is possible that your premiums will have a loading added, and will therefore be slightly more expensive.
Your current weight and lifestyle
The date of your initial diagnosis
Whether you have had surgery for coarctation of the aorta
The impact your condition has on your job
Following these considerations, an insurer will normally be able to inform you of the kind of policy you will be eligible for based on your circumstances.
Generally speaking, if you have coarctation of the aorta but your symptoms do not require treatment and you have never been in hospital for surgery as a result of your condition, you should be eligible for a ‘non-rated’ life insurance policy.
However, if you have had an angioplasty procedure to correct your condition, and you are suffering from symptoms in line with it, you may be considered a higher risk for life insurance, and could pay a higher premium than someone with no symptoms. An insurer will likely request medical records from your doctor to confirm your details and to offer you the best policy available.
At The Insurance Surgery, we have helped many people find the right coarctation of the aorta life insurance cover for their needs. Ratings for an individual seeking life insurance with coarctation of the aorta can vary depending on their individual circumstances, so it is important that you approach the right insurance provider that understands the nature of your condition.
