Health Insurance That Covers Heart Failure

A Buyers Guide To Health Insurance For Heart Failure

Posted by Greg Jones on January 24, 2020

If you've searched the internet for private health insurance that covers heart failure then you are most likely for looking for trusted UK based health insurance companies that can cover heart failure.

Our advice when shopping around for private medical insurance that covers heart failure is to speak to a health insurance broker. Health insurance is extremely complex and if you want absolute certainty that heart failure is covered by your policy you should consult with a health insurance broker who can explain which policy providers will cover this medical condition and which will exclude it.

There are many advantages to using a broker but the biggest by far is that you're using their industry experience at no cost. They are paid by the insurer (Aviva or Bupa etc) rather than you so it costs you no extra to use their brokering services.

  • Do you live in many different areas? Some will give you a lower policy premium than offers. A insurance broker will be able to advise whats best.
  • Do you have a hobby that may invalidate your insurance policy? A broker will know this critical information.
  • If you are a couple and one of you has claimed on your insurance policy this year would it be cheaper to separate you both onto two different policies?
  • You've developed a certain medical condition and want to know which insurer offers the biggest amount of cover for it. A broker will know this instantly saving you so much time and effort.

You can call around every medical insurance provider on the market and ask if they cover heart failure, however this will be a very time consuming process. Each insurer will ask for your medical history because its not normally a simple yes or not if a medical condition is covered or not.

Its far far quicker to speak to one health insurance broker which will know which policy providers on the market cover heart failure and under what conditions they do or don't cover it.

Heart Failure Information

a. Weakened left ventricle walls cannot pump enough blood to body b. Blood becomes trapped (“congested”) in left ventricle, causing the ventricle to enlarge

Heart failure is a serious condition, but it does not actually mean that your heart has failed. It means that your heart is not pumping blood around your body very efficiently.

The left side of your heart pumps blood to the body including the brain and kidneys. The right heart pumps blood to the lungs. Heart failure can affect the left or the right side of your heart, or both.

Most commonly, a problem with function on the left side of the heart produces back pressure leading to additional right heart failure.

The symptoms and effects on your body will depend on the side that is affected.

Symptoms of heart failure can be severe. It can be treated though, allowing you to control the effects of the condition and continue to live a normal life.

Read more about the symptoms of heart failure

Heart failure can be caused by a number of conditions such as high blood pressure or heart attack.

It tends to affect people over the age of 65, and is more common in men than women.

Read more about the causes of heart failure

The main symptom of heart failure is breathlessness. This, together with some other common symptoms are explained below.

Breathlessness might occur, or become more noticeable, when walking or exerting yourself.

People with more severe heart failure might experience breathlessness when resting and may notice that this gets worse when they lie flat.

During the night, you may wake and feel an urgent need to sit up and get a breath in. A cough and a frothy spit can also accompany the breathlessness.

Tiredness and lethargy are also common symptoms of heart failure.