Health Insurance That Covers Inherited Heart Conditions

A Buyers Guide To Health Insurance For Inherited Heart Conditions

Posted by Greg Jones on January 24, 2020

If you've searched the internet for health insurance that covers inherited heart conditions then you are probably for looking for established UK based health insurance providers that can cover inherited heart conditions.

Our advice when shopping around for health insurance that covers inherited heart conditions is to speak to a health insurance broker. Health insurance is extremely complicated and if you want absolute certainty that inherited heart conditions is covered by your policy you should consult with a medical insurance broker who can explain which policy providers will cover this medical condition and which will not.

There are many advantages to using a insurance 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 by 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 premium than offers. A broker will be able to advise whats best.
  • Do you have a hobby that may invalidate your insurance claim? A broker will know this vital 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 lean't you're at risk of developing 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 huge amounts of time and effort.

You can call around every medical insurance provider you can find and ask if they cover inherited heart conditions, 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 much quicker to speak to one medical insurance broker which will know which policy providers on the market cover inherited heart conditions and under what conditions they do or don't cover it.

Inherited Heart Conditions Information

An inherited heart disease is one which has been passed on through your parents’ genes.

Inherited cardiac conditions (ICC) is an umbrella term covering a wide variety of relatively rare diseases of the heart. They are also referred to as genetic cardiac conditions.

ICCs are caused by a fault - also known as a mutation - in one or more of our genes. If someone has a faulty gene, there’s a 50/50 chance it can be passed on to your children.

The effects of these conditions on you and your family can be enormous. These conditions can - in some cases - become life-threatening. Around 500 young people die every year in the UK as a result of a genetic heart disorder.

These conditions do not always have symptoms, so you can be unaware you have the conditions. Sadly, this can sometimes mean that the first time a family is aware of being affected is after a sudden cardiac death (SCD).

However, great improvements are being made in the detection of ICCs and also how you can live with your condition. There are effective treatments which allow you to lead a normal life.

It’s very important to draw a medical family tree with an appropriate health professional. This can help to “paint a picture” to see if you have - or have had - any other family members with the same condition. The family tree is sometimes known as a pedigree.

Sometimes people don’t experience many signs and symptoms, but the main symptoms of familial arrhythmia are:

The majority of children and young adults with syncope have a normal heart disease and no major heart rhythm problem.

However, it’s really important to speak to your GP or health professional if you - or a member of your family - have suffered unexplained fainting, especially if it's happened more than once.

 These include: 

Hypertrophic Cardiomyopathy (HCM) 

idiopathic or familial Dilated Cardiomyopathy (DCM) 

Arrhythmogenic right ventricular cardiomyopathy (ARVC) 

restrictive cardiomyopathy