Why insurance providers regard patients with heart disease as high risk

Patients who have suffered a heart attack or who show signs of cardiovascular disease are considered a high risk for insurers. While some individuals go on to lead healthy lifestyles after experiencing a heart attack, a percentage will continue to experience debilitating after-effects or permanent cardiovascular damage – a factor that may greatly reduce their lifespan. For insurers, a shorter lifespan means the individual will pay less premiums.


After-effects may include:

• Arrhythmias – irregular heart rhythms
• Cardiogenic shock – a sudden drop in blood pressure that will result in your heart being unable to pump enough blood to your organs
• Heart rupture: permanent damage to the heart wall that may, in serious cases, cause the wall to rupture

If you wish to take out a serious illness cover policy or life insurance, don’t prolong the decision as the cost of premiums rise as you get older. Insurers who do provide life cover for individuals who had heart attacks or suffer from cardiovascular disease will determine the individual’s risk profile according to the severity of the condition and the steps the patient is taking to treat it. By being proactive, specific and honest about your condition, you are more likely to receive better insurance rates.

Click here for more information about illnesses that will or won't be covered by health insurance.

Source:http://www.insurancesaysno.co.za/insurance-for-heart-attacks/
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