Hypertrophic Cardiomyopathy life insurance
Hypertrophic cardiomyopathy life insurance can provide you with peace of mind by ensuring that your family is financially protected should anything happen to you.
The term “cardiomyopathy” refers to diseases of the heart muscle. In hypertrophic cardiomyopathy (HCM), the walls of the heart chambers become unusually thick, which in turn makes it harder for the heart to pump blood.
According to statistics from British Heart Foundation, an estimated 1 in 500 people in the UK has hypertrophic cardiomyopathy, but many are symptomless.
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Does life insurance payout for Hypertrophic Cardiomyopathy?
Yes – if you were to pass away from hypertrophic cardiomyopathy, or a condition linked to it, then a life insurance policy would pay a lump sum to your loved ones to ensure they’re looked after.
Life insurance policies are based on your health at the time you take out the cover. They will therefore include any pre-existing medical conditions like HCM.
This also means that life cover is cheaper the earlier you take it out, as you’ll be younger and in better health than later in life.
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Does critical illness cover payout for Hypertrophic Cardiomyopathy?
Yes – if you were to take out a critical illness cover policy and later get diagnosed with hypertrophic cardiomyopathy, the cover would payout with many insurers.
If you already have hypertrophic cardiomyopathy and would like to take out critical illness cover, it is possible for the insurer to apply an ‘exclusion’ to the policy for HCM and/or related conditions. Speak to an expert adviser as they will be able to get the best cover for you.
Critical illness cover has been developed to help people through serious diagnoses such as:
Some policies have even been expanded over the years and now cover as many as 150 illnesses, making for extremely comprehensive protection. Even if you have an existing condition, it is still worth considering critical illness cover, especially if you have a family, in case you get diagnosed with something else.
Critical illness cover can help you through numerous things such as:
- Loss of income
- Treatment and medications
- Bills and outgoings
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Will income protection payout for Hypertrophic Cardiomyopathy?
Yes – if you were to take out an income protection policy and then get diagnosed with hypertrophic cardiomyopathy, the policy would usually payout if your GP signs you off work for 4 weeks or more.
Income protection for hypertrophic cardiomyopathy normally covers a percentage of your salary for 12 or 24 months depending on your cover. While you’re unable to work because of HCM you will receive a benefit every month until you are fit to return to work.
Income protection can help to pay for numerous things such as:
- Mortgage and rent payments
- Bills and outgoings
- School fees
- Medical Treatment
Much like other types of cover, income protection is based on your personal health at the time you take out the cover, so if you’ve already got HCM then it’s possible for the policy to have exclusions depending on the severity of your condition. It’s best to speak to a specialist as they will be able to get the best cover for you.
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Can I get life insurance with Hypertrophic Cardiomyopathy?
Yes – if you are looking for hypertrophic cardiomyopathy life insurance then you should find that cover is available from a number of insurers.
Availability and other aspects of cardiomyopathy life insurance will depend on the severity of your condition as well as other personal factors. This is determined differently from insurer to insurer, so the key is knowing who to go to.
How much is life insurance with Hypertrophic Cardiomyopathy?
The cost of hypertrophic cardiomyopathy life insurance depends on similar factors to its availability. It can be affected by things like:
- The severity of your symptoms
- When you were diagnosed
- Your age
- Your smoker status
When it comes down to the specific symptoms of HCM, each insurer bases their price on a slightly different range of medical questions, meaning that some insurers may be cheaper than others for your answers.
Speaking to a life insurance expert will help, as they know which insurers are the best for your specific conditions and symptoms.
Will I need a medical to get Hypertrophic Cardiomyopathy life insurance?
It is very common for an insurer to request medical evidence when you apply for hypertrophic cardiomyopathy life insurance. This enables them to get a complete picture of your health and tailor the pricing to you.
The two main types of medical evidence requests are:
- GP report
- Nurse screening
You will not have to pay for these to be processed, however. The insurer pays out of their own pocket, and it allows them to complete the underwriting process. It also gives you peace of mind as it guarantees 100% validity of your policy, ensuring that your loved ones are protected.
Medical conditions linked to Hypertrophic Cardiomyopathy
Hypertrophic Cardiomyopathy is known to cause numerous complications and there are various linked conditions.
- Atrial Fibrillation
- Heart failure
- Blocked blood flow
- Dilated cardiomyopathy
- Mitral valve problems
Common questions about Hypertrophic Cardiomyopathy
Here are a few of the most common questions about Hypertrophic Cardiomyopathy and living with the condition.
What are the symptoms of Hypertrophic Cardiomyopathy?
HCM can often be symptomless and many people with the condition may not know they have it – leading normal lives. In some people, however, the thickened muscle can cause some potentially serious symptoms including:
- Chest pain
- Heart Murmur
- Fast or heavy heartbeat (palpitations)
- Shortness of breath
In some cases, hypertrophic cardiomyopathy can affect the heart’s electrical system, causing an irregular heartbeat (arrhythmia) or even sudden death. You should always seek medical assistance if you experience symptoms of this condition.
What is the life expectancy of someone with hypertrophic cardiomyopathy?
According to research, the majority of people with HCM live a normal life. Of the people who have a symptomatic or more severe case of hypertrophic cardiomyopathy, proper treatment and follow-ups will help reduce the risks, however, life expectancy can vary wildly depending on the person.
What percent of people have hypertrophic cardiomyopathy?
Given that many cases of hypertrophic cardiomyopathy are undiagnosed, it is difficult to quantify a precise figure – but it’s estimated that 0.2% of people have HCM (1 in 500).
Here are a few useful links for people living with Hypertrophic Cardiomyopathy or looking for more information about it: