What is Atrial Fibrillation?
Atrial Fibrillations is heart disease and it occurs when the heartbeat turns irregular due to the upper chambers of the heart called atria contracting at irregular intervals that stop the heart from functioning normally. The normal heartbeat range is between 60 and 100 per minute. Many times, a person suffering from atrial fibrillation may not be aware of it.
Is it difficult to buy insurance coverage with Atrial Fibrillation?
Having this disease can have a significant impact on life insurance ratings. Not always suffering from Atrial Fibrillation is serious and that is one of the reasons that many people are not aware that they have this disease. Sometimes there are few or no symptoms. While it is possible to get life insurance but the premium is likely to be higher. For those whose atrial fibrillation is fully controlled and there are no secondary conditions, you may be able to get life insurance at non-standard terms (which essentially means higher pricing). Ratings and premium by life insurance companies depend on your health condition.
What will the insurers look at before giving insurance to a person with Atrial Fibrillation?
The first question insurance companies would ask is what are your symptoms and if you are receiving any treatment for the same. While filling an application the insurers will have plenty of queries and seek information from you related to the symptoms and condition. The most common questions asked are if you have experienced shortness of breath, chest pain, fatigue or fainting. The insurance companies will also dig into how the illness affects your daily life and if you can continue a normal life. If your condition is under control post medication, and apart from Atrial Fibrillation if you are not suffering from any other diseases, and you haven’t had to go to the hospital because of the condition, then you are more likely to be accepted for a near-standard terms policy maybe with a small premium increase. The insurer will also see your test reports, such as echocardiography and any underlying conditions that you may have. For people that have stronger symptoms of atrial fibrillation and experience other complications, it may be that you are offered a higher premium increase or you may approach a specialist insurer.
We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
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