Updated: July 30, 2019

Critical Illness Cover for a Heart Attack

Concerned about a heart attack affecting your income? We'll look at how to secure the right cover for you, whether you have existing heart problems or not

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Pete Mugleston

Author: Pete Mugleston - Mortgage Expert

Updated: July 30, 2019

Heart attacks are one of the most common serious health conditions that insurers cover in critical illness policies. It’s particularly important as a financial safeguard for people with heart-related health conditions, heart disease within their family medical history, and for those aged 60 and above.

But whether you fall into one of these categories or just want to make sure you and your loved ones are cared for in any situation, getting critical illness cover for a heart attack will give you the peace of mind financial security brings.

That’s why critical illness cover is one of the few insurance products most financial experts recommend as being vital to long-term financial health.

For the right advice or for more information about heart attack cover, speak to an insurance expert.

The ones we work with are capable of scanning the market to find the right critical illness insurance for your needs.

Does critical illness insurance cover heart attacks?

Yes. Heart attacks, strokes and cancer are the three major serious illnesses that many critical illness insurers provide cover for. Around 14% of claims for critical illness insurance come from men in their 30s after suffering from a heart attack, and this figure rises to 30% for men in their 40s and 50s, according to the latest reinsurers’ reports at the time of writing.

This makes heart attacks one of the key critical illnesses men want to get protection for, as it enables you to both pay a mortgage and look after your family in your time of need. With this in mind, although many insurers offer critical illness cover for heart attack, it’s important to select a provider with strong policy protection and a solid history of making payouts to claimants.

Before taking out a critical illness policy, it’s always worth consulting an insurance expert. They’ll be able to run a trained eye over the policy terms to ensure that it meets your needs, both personally and financially. Make an enquiry to get started.

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How to get critical illness insurance

The best way to get critical illness insurance for heart attack is to research providers’ offers from the whole market. The level of cover you can get varies, so it’s important to compare policy documentation and terms and conditions from a range of insurance providers.

However, the most competitive insurance premium rates are usually offered through a financial advisor who can ensure both the customer and the insurer are the right match.

We work with qualified independent financial advisors who can help anyone looking for critical illness insurance for heart attack. Make an enquiry and we’ll put you through to the right financial advisor. Seeking out specialist advice will ensure that you get the right amount of cover for your needs.

Does critical illness cover include heart failure?

The most serious cases of heart attack can lead to heart failure. Over 70% of people who experience heart failure have previously suffered from a heart attack, heart operation, or cardiac arrest. So, if you have any history of heart disease, making sure your critical illness cover policy extends to heart failure is especially crucial.

Bear in mind that the cost of your policy is likely to be higher because of the increased risk to the insurer.

Which insurers offer critical illness cover for heart failure?

Insurers which offer critical illness cover with plan variations for heart failure, include…

  • Canada Life
  • Guardian
  • L&G Extra
  • Old Mutual Wealth
  • Royal London
  • Zurich Select

However, not all insurers include heart failure within their critical illness policies. So it’s best to seek expert advice to ensure the critical illness policy you get is fully comprehensive for heart failure. If you’d like help in connecting to an insurance expert, call us on 0808 189 0463 or make an enquiry.

Make a claim after a heart attack

If you’re paying into a monthly premium for critical illness cover and you experience a heart attack, you can make a claim for the payout your policy assures.

The size of the lump sum payout will be capped at the maximum amount of cover you’ve taken out and will depend on the severity of your diagnosis. If your critical insurance cover is triggered after a heart attack, it could give you a sizable lump sum to see you through mortgage payments and living expenses until you’re back on your feet.

Speak to an expert advisor

Rejection of claims usually comes from the diagnosed illness not being covered by the policy, but with the help of a financial expert, you’ll be well on your way to a critical illness insurance policy that’s tailored to your needs. The small expense of working through an insurance broker usually saves thousands of pounds in the long-term.

Call us on 0808 189 0463 or make an enquiry and we’ll put you in touch with the right financial advisor for your situation. We don’t charge a fee for making the connection, and there’s absolutely no obligation to make a purchase.

Ask a quick question

We can help! We know everyone's circumstances are different, that's why we work with brokers who are experts in critical illness cover. Ask us a question and we'll get the best expert to help.

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Pete Mugleston

Pete Mugleston

Mortgage Expert

About the author

Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background.

Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for OMA of course!

FCA Disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms that are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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