Being diagnosed with a blood clot and PFO and you might wonder whether you will be able to get life insurance or not. Well, there is always hope if you try and if you are passionate about something, you will make it happen. So, there is no need to worry. You can still secure a life insurance policy to protect the future of your family.

Risk caused by PFO:

Having Patent Foramen Ovale, PFO causes blood clots that could get into your brain. Blood clots getting inside your brain could lead to a stroke which can leave a devastating effect on you and your loved one’s life.

How does blood clot and PFO affect life insurance?

The extent to which this condition impacts your life insurance policy will be based upon the level of risk you impose on your insurance provider. Underwriters will consider the following points when assessing your application:

  • If you have had high blood pressure or diabetes? High blood pressure puts you at high risk of developing stroke or simply blood clots that could cause a stroke. Because when your blood pressure is high, the amount of non-oxygenated blood circulating to the left side of your heart increases.
  • Are you a smoker? Your smoker status is a liability to most insurance providers. It leads to high blood pressure and a high level of toxins. This even doubles the risk of experiencing a stroke.
  • Have you gone through cardiovascular tests? What were the results? Your most recent cardiovascular tests are important to underwriters. The test reports will show how well managed is your condition.
  • Is there an earlier history of stroke? If you have a history of stroke, there is a possibility of recurrence.

You need to be very careful when answering underwriting questions as this will help your insurer to determine the cost and terms offered to you for life cover. Apart from this insurers may also request a medical report from your GP to have a better understanding of your condition.



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!
Call 011-3733-4610 – Monday to Thursday from 11.00 to 19.00 and on Friday between 11.00 and 16.00
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