Thrombosis & Life Insurance
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Thrombosis & Life Insurance
We understand that finding out that you have thrombosis can be a difficult time. You can be worried about what it means for now and in the future.
We are here to make things easier for you when it comes to applying for life insurance.
What we need to know:
- When were you diagnosed with thrombosis?
- What treatment or medication do you use?
- How many blood blots have you had?
- Have you needed any surgery?
Life insurance for people that have experienced thrombosis may be available at standard terms, depending upon the type and severity of your symptoms.
The insurance provider that you approach for life insurance will probably want to see a report from your GP to establish your general health, how the thrombosis affects you, the cause of the condition and the treatments that are in use.
Where the condition is of a low severity the insurer may be able to offer you standard terms for life insurance, otherwise special terms may be offered. Special terms for life insurance is usually an increase to the policy premiums.
Thrombosis & 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.
Applications for critical illness cover for people with thrombosis will likely require a report from your doctor to provide a clear picture as to the cause of the condition and how it impacts upon your health.
For people that have experienced thrombosis with quite strong symptoms and complications it is likely that any acceptance terms of critical illness cover that you are offered, will come at non-standard terms. This usually means an increase to the policy premium.
Thrombosis & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Application for income protection for people with thrombosis will often need what is known as enhanced underwriting. This means that the insurer will probably ask your permission to speak with your GP to get an overall picture of your health.
The insurer you approach will want to know if the condition has caused you to have any time off work, the strength of your symptoms and any long-term complications that you have.
The acceptance terms for income protection will probably be at non-standard terms (premium increase and/or exclusion). Some insurers might not offer you income protection depending upon your personal circumstances.
Our advisers are here to find the right insurer for you.
GET AN INCOME PROTECTION QUOTE
If you do not find that income protection suits your needs it could be beneficial to consider accident, sickness and unemployment cover. Accident, sickness and unemployment cover offers a monthly income replacement between 12 and 24 months should you be unable to work due to disability, long-term injury or involuntary redundancy. This policy type can be highly sought after as pre-existing medical conditions are not taken into account during the policy application and acceptance stages. However any claim that you make on the policy will exclude any event that is related to a pre-existing medical condition i.e. thrombosis.
Thrombosis & Travel Insurance
Don’t let your health condition make your holiday preparation a hassle. If you’re looking for travel insurance for a holiday or overseas trip, speak to a specialist. Find out more by visiting our travel page here.
What is Thrombosis?
Thrombosis occurs when a blood clot develops that stops the usual flow of blood within the blood vessels. There is the potential for a blood clot to travel within the body which can lead to life threatening events. Thrombosis can be caused by a number of things including surgery, pregnancy, a family history of blood clots, bed rest and obesity.
Also Known as: Venous thromboembolism (VTE), deep vein thrombosis (DVT), pulmonary embolism, arterial thrombosis
Linked with: Heart attack, stroke, high BMI, hormone replacement therapy (HRT), cancer, antiphospholipid syndrome (Hughes syndrome), peripheral vascular disease (PVD), peripheral arterial disease (PAD), atherosclerosis, type 1 diabetes, type 2 diabetes, vasculitis, hepatitis, rheumatoid arthritis, thrombophilia
Possible Symptoms
Some potential problems experienced by individuals who have thrombosis include:
- Blood clots
- Cramping pain
- Breathlessness
- Swelling in one leg
- Chest pain
- Prominent veins in the leg
Medications and Treatments
- Acenocoumarol (Sinthrome)
- Actilyse (Alteplase)
- Alteplase
- Anticoagulants
- Apixaban (Eliquis)
- Bemiparin
- Bemiparin Sodium (Zibor)
- Carotid endarterectomy
- Clopidogrel
- Compression socks
- Coronary artery bypass graft
- Coronary stent placement
- Dabigatran etexilate mesilate (Pradaxa)
- Dalteparin
- Danaparoid
- Danaparoid Sodium (Orgaran)
- Enoxaparin
- Enoxaparin Sodium (Clexane)
- Fondaparinux (Arixtra)
- Foot pumps
- Fragmin
- Heparin
- Heparin sodium
- Inferior vena cava filter (IVC)
- Low-dose aspirin
- Menadiol sodium phosphate
- Protamine
- Reteplase
- Rivaroxaban (Xarelto)
- Sinthrone
- Statins
- Streptokinase (Streptase)
- Tinzaparin (Innohep)
- Urokinase (Syner-Kinase)
- Warfarin (Marevan)
Further Reading and Research
- www.nhs.uk – Thrombosis
- www.nhs.uk – Arterial Thrombosis
- www.nhs.uk – Deep Vein Thrombosis
- www.nhs.uk – Pulmonary Embolism
By clicking on the link(s) above you will be departing from the regulatory site of Cura Financial Services. Cura Financial Services is not responsible for the accuracy of the information contained within the linked site(s).
Common Questions
Congratulations on your new arrival. I had something similar when I had my third child, I needed to have warfarin injections for a while after as my sister had had a blood clot.
If you have not personally had a blood clot and the warfarin was purely as a precautionary measure, then you should find that most insurers are able to accept your life insurance application.
Client Reviews
Cura Financial Services has been rated 4.9 out of 5 based on 800 reviews.
Review by Hannah on 24th May 2022
“Alan and his time were amazing. Both my partner and I have complicated circumstances and they managed to find us both insurances at a very reasonable price!” - 5
You can read more of our reviews here.
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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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