Heart Transplant & Life Insurance
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Heart Transplant & Life Insurance
Having a heart transplant is a big operation and facing something like this, can make you really evaluate your finances. Life insurance can be one of those things that you want to have, but you’re just not sure where to start.
At the moment, in the UK, if you have had a heart transplant your options for life insurance will be quite limited. Unfortunately the life insurance options that you can access might not match what you have in mind, but we think it’s important that you know what they are so you can make an informed decision.
Life insurance options after you have had a heart transplant:
- Accidental death and sickness policy – these policies can offer cover for accidental death and a range of health conditions, they can sometimes offer cash payouts for time spent in hospital, which might be useful to you
- Death-in-Service cover – this is life insurance arranged by your employer, or you if you have a Ltd company or partnership, potentially the best value out of all of the options
- Non-medically underwritten life insurance – you can usually set this up really easily and quickly, but you must be aware that they will decline claims that are linked in any way to your heart transplant and ongoing treatments
- Over 50s cover – you need to be 50 or older to access this and you usually find that each policy has a a value of £20k or less, the policies will usually exclude claims for pre-existing conditions anywhere from 6 months to 2 years after setting up the policy
- Term Life Insurance – this will need to be accessed through a specialist insurer that can consider a 5 or possibly 10 year life insurance policy for you, it will be expensive
The options for life insurance for you, often have something that doesn’t feel like it’s going to do exactly what you want it to do. We would suggest that you do everything possible to avoid an exclusion. A heart related exclusion a life insurance policy is very far reaching and we would strongly advise you to consider if this is worthwhile to you.
If your employer offers death-in-service cover to their employees, this is likely going to be the most valuable version of life insurance that you can access. However, if you death-in-service cover is linked to any salary sacrifice, you can sometimes find that that there is wording somewhere saying that you need to tell the insurer about existing medical conditions. If you are in any doubt, speak with your HR officer and ask for a copy of the insurance Terms and Conditions, or that they give you written confirmation over the insurer’s stance on pre-existing conditions.
Our expert advisers are to make sure that your life insurance policy is placed with the best insurer for you.
Heart Transplant & Critical Illness Cover
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
You will find that you are unfortunately unable to access critical illness cover with mainstream insurers in the UK, if you have had a heart transplant. There are sometimes options for cancer only insurance policies, these are quite specialist and it’s important to look through their terms and conditions carefully.
You might be covered by a group critical illness policy through your employer, if they have this insurance in place. This kind of critical illness policy will exclude claims relating to pre-existing conditions, so you will find that some of the medical conditions listed on the policy claims set are not available to you.
Our award winning advisers are here to make sure that you get the right insurer to match you and your health.
Heart Transplant & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Your options for income protection will also be quite limited. Again, a group income protection policy through your employer will probably be the best value for you, if your employer offers this. You can find with these policies that the insurer has the potential to support claims linked to your heart, if you are ill and unable to work, up to a certain amount of money.
You might find that an Accident and Sickness policy is more easily available to you. This kind of policy protects part of your monthly income for up to 12-24 months, if you are ill and unable to work. The policy will exclude claims relating to your inability to work if it is connected to your heart transplant.
Our advisers are here to make sure that you get the best insurance policy to protect your income.
Heart Transplant & Travel Insurance
Are you going on holiday? It’s always a good idea to make sure that you have good travel insurance in place. You can find out more about getting a quote on our travel insurance page.
What is a Heart Transplant?
A heart transplant usually takes place when all other forms of treatment have first been tried, to support a person with heart failure.
Also: Cardiac transplant
Linked with: Pulmonary embolism, heart attack, quadruple heart bypass, type 2 diabetes, high blood pressure, osteoporosis, coronary artery disease, heart failure, skin cancer
Possible Effects on Lifestyle
Some of the symptoms people may experience living with a heart transplant:
- Dietary considerations
- Exercise planning
- Minimising sun exposure
Medications and Treatments
- Anticoagulants
- Azathioprine
- Ciclosporin
- Cotrimoxazole
- Mycophenolate mofetil
- Nystatin suspension
- Omeprazole
- Prednisolone
- Statins
- Tacrolimus
- Valganciclovir
Further Reading and Research
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Common Questions
Hi, thank you for reaching out to us with your query. I hope that you are well and able to have your surgery soon. There are some life insurance policies that you can access but at the moment these insurances will exclude claims relating to your heart.
The best life insurance option for you is if you are already covered by a death-in-service policy through your employer. This kind of policy will typically cover claims relating to pre-existing conditions, up to certain levels of money. If you are covered by this kind of insurance through a salary sacrifice scheme, please check the pre-existing condition wording with your HR officer, as it can work differently.
I sincerely hope that everything goes well for you.
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Dr Kathryn Knowles Phd
Author
This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here
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