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Hypertrophic cardiomyopathy life insurance

We’re happy to say that life insurance doesn’t need to be overly complicated or too expensive for people with heart conditions like cardiomyopathy. There’s often a range of brilliant and cost-effective options available, which means you can pick the policy that feels right for you.

Protecting your loved ones is so important, especially when you have a medical condition like hypertrophic cardiomyopathy (HCM). Life insurance provides peace of mind that the people you care about most won’t struggle financially if anything happened to you.

Speaking to an expert can make all the difference in how much you pay and whether your cover is really the best option for your situation. We’re going to give you the key facts you need in clear and simple terms to make getting life insurance with cardiomyopathy as easy as possible.

Why are we hypertrophic cardiomyopathy life insurance experts?

We know a lot about life insurance and heart conditions, so any question you have we’ve probably heard many times before. Our mission is to make life insurance easy to understand and accessible for everyone including people with pre-existing conditions.

Here, we’re explaining a bit more about cardiomyopathy life insurance to make things simpler for you. Our experts can answer questions like:

  • Which insurers are best for people with heart conditions?
  • How do you get life insurance with cardiomyopathy?
  • Is critical illness cover available for someone with cardiomyopathy?
  • Can you get life insurance with multiple heart conditions?

There can be some great options for life insurance when you have cardiomyopathy and our team know exactly where to look. We also hope this guide gives you enough information that you can make your own life insurance decisions if that’s what you want to do.

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YES – there are lots of insurers that will offer life insurance to people with hypertrophic cardiomyopathy.

The key is making sure you speak to the right provider. Some insurance companies have a better understanding of heart conditions and will be more willing to offer fair prices.

How does hypertrophic cardiomyopathy life insurance work?

If you need life insurance and have cardiomyopathy, this is how it works. For any application, the life insurance provider will want some basic information about health and lifestyle.

For someone with HCM, you’re likely to get asked a few more questions that are specific to your conditions. This could be questions like:

  • When were you diagnosed with hypertrophic cardiomyopathy?
  • Have you been prescribed medications/treatments for your condition?
  • How severe are your symptoms?
  • Have you ever needed surgery on your heart?
  • Do you have any other heart related medical conditions?

Does life insurance pay out for hypertrophic cardiomyopathy?

YES – if you died because of HCM or anything related, your loved ones should receive a cash lump sum from your life insurance policy.

We know that that having cardiomyopathy makes you even more conscious of ensuring your family’s future and this is exactly what life insurance is for. The money paid out from your policy can be used to cover key expenses like:

  • Funeral costs
  • Mortgage or rent payments
  • Repaying debts
  • General cost of living
  • And more…

A great thing about life insurance is there are several types of policy to choose from. This includes:

YES – if you have critical illness cover and later get diagnosed with cardiomyopathy, it’s likely you would be able to claim for this.

This is because cardiomyopathy is one of 36 common conditions that tend to be covered by most insurers. You should also be able to claim if you’re diagnosed with other conditions such as:

Will income protection pay out for hypertrophic cardiomyopathy?

YES – your income protection policy should pay out, if you experience symptoms that mean you’re signed off work for 4 or more weeks. Income protection policies are also very flexible, meaning you can tailor your cover perfectly to your own circumstances.

These policies will normally cover around 60% of your usual monthly salary, and pay out for 12 months, 24 months or even to the end of the policy term. It all depends on the policy and insurer that you choose.

Will I need a medical to get hypertrophic cardiomyopathy life insurance?

YES – it’s very common for insurers to request extra medical information from someone with a heart condition. This is nothing to worry about as it’s just to give them a better idea of your overall health.

You don’t need to get the information yourself or pay for anything – the insurance company has this covered. All you will need to do is agree to them contacting your doctor on your behalf for a medical (GP) report.

How much does hypertrophic cardiomyopathy life insurance cost?

The cost of life insurance can vary massively from person to person. This is because insurers generally won’t have one set price and will decide how much you pay based on factors like:

  • Your age
  • Height and weight
  • Whether you smoke
  • Occupation
  • Lifestyle

How to get cheaper life insurance with hypertrophic cardiomyopathy

There are some easy ways to save money on life insurance with cardiomyopathy. Here are 3 of the main things you can do if you’re worried about your budget:

  1. Change your lifestyle: Making small and simple changes can make a huge difference to how much you pay for life insurance. Losing weight, starting to exercise or cutting back/quitting smoking can all lower costs.
  2. Apply at the right time: Avoid applying at moments when your health is bad or you’ve just switched medication/treatment. It’s also best to apply as early in life as you can for the lowest prices.
  3. Speak to the right companies: Certain insurers will have more experience with heart conditions and will be able to offer better prices.
  4. Get help from a life insurance specialist: If you don’t know which insurer or policy is your best choice, a life insurance expert can help you figure it out.
Can you get life insurance if you have hypertrophic cardiomyopathy?YES – it’s definitely possible to get life insurance when you have hypertrophic cardiomyopathy, but it’s important to speak to the right insurers.  
This is the best way to make sure you get proper cover that suits you and you don’t end up paying too much.
Is hypertrophic cardiomyopathy a critical illness?YES – many insurers will pay out if you get diagnosed with a form of cardiomyopathy.  
It’s a good idea to double check your own policy though to be sure. The conditions covered by critical illness insurance can vary depending on the insurer you choose.
What is considered heart disease when applying for life insurance?Any form of heart disease needs to be disclosed to the insurer when you apply for life insurance.  
This includes cardiomyopathy, as this is a condition that affects the heart.
Is a heart condition a pre-existing condition for life insurance?YES – any medical condition that you have been diagnosed with before applying for life insurance is classed as ‘pre-existing’.

We’ve gathered some more helpful facts and information about hypertrophic cardiomyopathy that we hope you find interesting.

Medical conditions linked to hypertrophic cardiomyopathy

There are some known complications of cardiomyopathy, as well as other linked medical conditions.

Celebrities with heart disease

Heart conditions are very common and there are many well-known people who have been diagnosed with cardiomyopathy or other heart diseases. This includes:

Hypertrophic cardiomyopathy charities and support UK

Here are some of the amazing charities providing support and online resources to help people living with cardiomyopathy.

Hypertrophic cardiomyopathy statistics UK

The British Heart Foundation has published the following facts and statistics:

  • Around 1 in 500 people in the UK has hypertrophic cardiomyopathy
  • There is 50% chance of inheriting HCM if your parent has been diagnosed
  • Most people with HCM live happy lives with little or no symptoms

Common questions about hypertrophic cardiomyopathy

What are 4 signs of cardiomyopathy?The 4 most common symptoms of cardiomyopathy are:  

Chest pain
Feeling lightheaded/fainting
Heart palpitations
Shortness of breath
What is the life expectancy of someone with hypertrophic cardiomyopathy?For someone with well managed cardiomyopathy and minimal symptoms, life expectancy shouldn’t be affected.   If you have developed complications or other heart conditions, this could lead to a shorter life span.  

More information – Average life expectancy UK
How serious is hypertrophic cardiomyopathy?Hypertrophic cardiomyopathy symptoms can vary in severity from person to person.  
Many people will experience little or no symptoms.
Some can develop worse symptoms over time or other medical conditions caused by HCM e.g. atrial fibrillation.
What triggers cardiomyopathy?Cardiomyopathy can be trigged by factors such as stress or other medical conditions.  
The most common cause of hypertrophic cardiomyopathy is genetics (family history), as the condition is usually inherited.

Useful resources

NHS – Cardiomyopathy

British Heart Foundation – Life with hypertrophic cardiomyopathy

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