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COARCTATION OF THE AORTA<br>Life Insurance Experts

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Coarctation of the Aorta life insurance

Coarctation of the Aorta is a congenital defect, otherwise known as a birth defect. It means that part of the aorta (the main artery that carries blood from your heart to the rest of your body) is narrower than usual. If the narrowing is severe enough and is left undiagnosed, it can cause serious problems and the baby may need medical treatment or surgery.

Coarctation of the aorta life insurance can give you peace of mind that your family and home would be financially protected if the worst were to happen to you.

Unfortunately, there are no reliable figures for how common the disease is, possibly due to it being undiagnosed in many people. However, according to Patient.info it is estimated to occur once in every 2,500 births and may be more common in Caucasians, affecting males more than females. Parents who have had coarctation of the aorta are more likely to pass it onto their child.

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Does life insurance pay out for Coarctation of the Aorta?

Yes – if you were to pass away due to coarctation of the aorta, or a complication linked to it, then a life insurance policy would pay out a lump sum to your loved ones to help them manage financially.

When applying for life insurance with coarctation of the aorta, it’s important to disclose any pre-existing medical conditions to ensure that you’re covered for all eventualities. The insurance companies might want to ask you some additional questions about your heart condition, but this is normal and provided you’ve told the truth and haven’t omitted anything, you’ll be fully covered.

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Does critical illness cover pay out for Coarctation of the Aorta?

Because of the way in which this type of policy works, each insurer has a list of conditions that will trigger a payout on critical illness cover.

Normally, coarctation of the aorta itself is not specifically included on these lists. However, certain policies list some types of heart surgery on their list, so it’s important to know what’s covered in case your diagnosis comes after taking out a critical illness cover policy.

Critical illness cover commonly pays you a lump sum for serious medical diagnoses such as:

If you have already been diagnosed with this heart condition and are looking for critical illness cover, select insurance companies will be able to cover you depending on the severity and other factors. It is also possible that, if your condition is more severe, the insurers may add an exclusion to your policy for illnesses related to coarctation of the aorta. A specialist broker will be able to find the most favourable terms for you.

The main things people use critical illness cover payments for are:

  • Loss of income
  • Treatment and medication
  • Bills and outgoings

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Will income protection pay out for Coarctation of the Aorta?

Yes – if you took out an income protection policy and then got diagnosed with coarctation of the aorta, a monthly payout would be triggered if you had to take time off work as a result.

Income protection can be used to pay for:

  • Mortgage and rent payments
  • Bills and outgoings
  • School fees
  • Medical treatment

Income protection policies usually pay out if your GP signs you off work for 4 weeks or more, and the monthly benefit amount is calculated based on a percentage of your gross wage. It therefore offers far greater protection than most sick pay schemed, especially statutory sick pay (SSP).

If you have already been diagnosed with coarctation of the aorta then the process of obtaining income protection might be a little more complicated, and there could be exclusions on the policy or even a declined application depending on how severe it is. An expert at iam|INSURED can help to find the right cover for you.

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Is a medical required for Coarctation of the Aorta life insurance?

It is often the case that insurance companies will ask for medical evidence for potentially serious conditions such as congenital heart defects.

The insurers do this so that they can get a bigger picture of your health conditions, and you have the bonus of knowing that your insurance cover is 100% valid in the event of a claim.

The main types of medical evidence requests are:

  • GP report
  • Nurse screen

You will not have to pay extra for these, however, as the insurance company will cover the costs.

Medical conditions linked to Coarctation of the Aorta

There are numerous conditions that can be linked to Coarctation of the Aorta. These include:

· High blood pressure

· Angina

· Stroke

· Nosebleeds

Useful resources

Below are some useful links for Coarctation of the Aorta including information on the condition and charities working with the condition.

NHS Choices – Congenital Heart Disease

British Heart Foundation – Charity

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