Can I Get Critical Illness Cover If I’ve Had A Heart Attack?

Getting Critical Illness Cover after suffering a serious condition such as a heart attack

If you’ve suffered a heart attack in the past, it’s not always a flat-out ‘no’ when it comes to getting Critical Illness Insurance. However, insurers look very carefully at your current health and lifestyle before they’ll cover you.

What Will Providers Assess?

Before deciding whether to give you Critical Illness cover, providers will look at the following factors:

• Your age
• If you smoke
• How long ago the heart attack occurred
• Whether you’ve had surgery for it
• How many vessels in the heart have been affected
• If there are any other ongoing conditions that could be related to the heart attack
• If you have any other ongoing health issues.

Getting The Best Policy

With a more complex situation, getting quotes online probably won’t give you great results. 

You should gather as much information as possible from your GP or surgeon and give this to an independent adviser (like our specialists at Drewberry™).

We have great relationships with insurers’ underwriting teams. So our specialists can go straight to the providers who’ll offer you the best policy.

Get Independent Advice

We live and breathe insurance, and are here to chat about what’s best for you. 

No fees, just free advice and access to the most competitive rates. Give us a call on 02084327333 or email us at help@drewberry.co.uk.