Heart Attack Travel Insurance
The facts about getting Heart Attack Travel Insurance
Having a medical history that includes the suffering of a Heart Attack shouldn’t hold you back from having a holiday. If you have had a Heart Attack in the past and require travel insurance, taking our Heart Attack travel insurance is a worthwhile option. Many underwriters will consider you (on a case-by-case basis), and different levels of cover are available depending on both your medical and non-medical requirements. Before enquiring about Heart Attack travel insurance, it is important to check with your GP that it is safe for you to travel after your Heart Attack. It is also highly likely that you will need to complete a medical screening and provide information of any underlying medical conditions as part of your application.
What does Heart Attack travel insurance cost?
Insurance underwriters will assess your application for Heart Attack travel insurance based on the following:
- How many Heart Attacks you have had in total.
- The date of your most recent heart attack.
- Whether you have ever had a heart bypass, an angioplasty or coronary stent.
- Any procedures/surgeries you may have had as a result of a Heart Attack.
- Whether you have experienced any angina symptoms (e.g chest pain, chest tightness) since your last surgery, and how long ago this was.
- Whether you are awaiting any tests results, surgery or to see a heart specialist.
- Underlying health conditions such as high blood pressure or cholesterol problems.
- Medications taken to manage your conditions and dosage.
Your premiums for Heart Attack travel insurance will also depend on:
- Sum assured (£’s)
- Term of cover (years)
Heart Attack travel rates/ratings
Rates for any non-standard cover such as Heart Attack travel insurance will vary from one insurance provider to another, depending on their underwriting philosophy. Insurance providers use a risk-based scale to determine the amount you will pay for your cover which uses a ‘percentage loading’ or ‘£’s per mille loading’. All insurance companies have their own underwriting criteria which will also change over time, so can be difficult to predict unless you regularly speak to them.
Percentage (%) loading for Heart Attack travel insurance
A percentage loading basically applies a % to your standard premium based on the levels of risk calculated for your own circumstances. Your percentage loading will apply a multiple to your Heart Attack travel insurance premium, which will be based on your health at the time of your application. You should also know that some insurance providers have different maximum levels to others, so some are prepared to take on higher risks (e.g. 250% or 400%).
|Basic premium||% loading||Final premium|
Per mille loadings for Heart Attack travel insurance
You may also find that a ‘per mille loading’ could be applied to your Heart Attack travel insurance premiums, but this is more rare and only tends to be used for more severe conditions such as Cancer. A ‘per mille loading’ will be an additional amount that is applied to your premiums, which is based on the amount of cover you are applying for (e.g. £2 per thousand £’s of cover). The other difference with a ‘per mille loading’ is that it can be applied for the whole term of your Heart Attack travel insurance policy or for a period of time from the start of your policy (e.g. 2, 3, 4 or 5 years).
Exclusions for Heart Attack travel insurance
Another potential outcome when applying for a non-standard cover such as Heart Attack travel insurance is for an ‘exclusion’ to be applied to your policy. This means that you may have certain conditions which can be linked to your Heart Attack excluded from your policy.
Why do I need Heart Attack travel insurance?
If you have already suffered a Heart Attack, you are at greater risk of having another one. Medical treatment abroad can be very costly if you are not covered. By taking out Heart Attack travel insurance, you are covering yourself for medical circumstances, late flights, cancellations, baggage delays, values of personal items and more. Around 1 in 20 people claim on their travel insurance, so having it gives you peace of mind when you travel abroad. If you are travelling to Europe, take your EHIC (European Health Insurance Card) with you. This card entitles you to free or low cost healthcare in most European countries (plus Iceland, Norway, Lichtenstein and Switzerland).