What Is Tetralogy Of Fallot Life Insurance?
Tetralogy of Fallot is a rare, normally pre-existing medical condition that is caused by a number of defects in a person’s heart. These defects are often present from birth, and cause abnormal structure of the heart. As a result, the body finds it difficult to effectively circulate oxygenated blood around the body. Young children with the condition normally have a blue or purple tint to their skin because their blood doesn’t contain enough oxygen.
While the condition is mainly congenital and typically diagnosed after birth, it is also possible for Tetralogy of Fallot to be diagnosed in adults. With the right treatment and surgery, many people with the condition go on to have healthy and normal lives, providing they avoid very strenuous exercise and receive the right medical care to control their symptoms.
Symptoms of Tetralogy of Fallot vary from person to person, depending on the severity of their condition and how obstructed blood flow is from the right ventricle and into the lungs. Typical signs include:
Blue or purple tints of the skin
Low levels of oxygen in the blood
Blackouts and fainting
Breathlessness
Being underweight, with an inability to gain weight
Fatigue, especially during exercise
Clubbed fingers and toes
A heart murmur
Treatments for Tetralogy of Fallot include the following:
Treatments for Tetralogy of Fallot include the following:
Beta-blockers
Oxygen
Surgical repair
How Tetralogy of Fallot life insurance, critical illness cover and income protection works:
An insurer will generally assess the following when considering an application for life insurance for a person with a pre-existing diagnosis of Tetralogy of Fallot:
Your age
Your weight and height
Symptoms experienced, and whether they are under control
Other underlying medical conditions such as cancer or stroke
Associated heart conditionsTreatments undertaken
Medications taken
Whether you smoke
Whether you are able to work
The results of your last cardiac stress test
At The Insurance Surgery, we are leading life insurance specialists for those that want to purchase cover with a pre-existing diagnosis of Tetralogy of Fallot. We examine every customer’s circumstances differently to identify the best life insurance providers and cover plans for your needs. For your free no-obligation quote for life insurance with Tetralogy of Fallot, simply fill in our online form.
Critical Illness Cover
Depending on your circumstances, as with life insurance, critical illness cover could be available to you through some insurers if you have been diagnosed with Tetralogy of Fallot. If you have had total corrective surgery and your symptoms are under control, you may be accepted by a specialist insurer, but this is not guaranteed. It is very likely that you will have raised premiums because of the added risk of your situation. Get in touch with us at The Insurance Surgery for more details and to be put in touch with specialist insurers offering cover for your needs.
Income Protection Insurance
If you are looking for income protection and you have a pre-existing diagnosis of Tetralogy of Fallot, you may find that many insurers will want to know whether you have had successful corrective surgery, as this will be the main factor that decides whether they will insure you. An insurer will want details of any medications you have been taking to manage your symptoms, treatments undertaken and details of any periods of time you have had off of work as a result of your condition. Specialist insurers may offer you income protection, with non-standard rates.
Tetralogy of Fallot life insurance
Underwriting for life insurance with a pre-existing diagnosis of Tetralogy of Fallot will depend on several factors in relation to your condition. Insurers may ask you the following questions:
When were you first diagnosed with Tetralogy of Fallot?
Do you have any other associated heart conditions?
Have you been diagnosed with a condition like cancer, stroke or diabetes?
What were the results of your last EKG?
What were the results of your last cardiac stress test?
Are you taking any medications to control your condition?
If you have been diagnosed with Tetralogy of Fallot and are seeking life insurance cover, an insurer will want to know whether you have had surgery to correct the problem, and whether there was any heart enlargement as a result. If surgery has been performed and your symptoms are manageable with no recurring problems, it is likely that an insurer will accept you with average premiums or premiums that are slightly above average.
If you have not had surgery, or if there are other underlying health conditions, an insurer may decline your application or offer you cover with a high premium due to the associated risks with your condition. Most insurers will request access to details of medications you are taking and other medical details. Ratings for life insurance following a Tetralogy of Fallot diagnosis can vary depending on a person’s individual circumstances, so contact us at The Insurance Surgery, where we can help you find the right cover and insurer for your requirements.
