A pulmonary embolism is known when an obstruction in the pulmonary artery occurs, preventing blood from reaching the lungs. The condition can be life-threatening and structured medication, cure and prevention techniques must be used to decrease the risks of further blood clots. Some problems experienced by individuals with pulmonary embolism include:
- Use of compression stockings
- Organizing exercise routines
Pulmonary Embolism- affecting your Life insurance policies:
Life Insurance for those with pulmonary embolism will generally require a report from your general practitioner to determine your overall health condition. The insurer will use this report to gain details such as;
- When were you diagnosed?
- How many recurrences have you had of the condition?
- Symptoms experienced and time since the last experienced symptoms?
- The cause of the condition and any medications or treatments undertaken.
In case the pulmonary embolism has been a one-off occurrence and there has been no strong medication used the insurer may be able to offer Life cover at normal terms. If there have been multiple occurrences of the condition and strong medications have been undertaken, then you may notice that life cover offered to you is at non-standard terms (price increase) or in rare cases can also be declined for cover.
It’s the same for Critical illness cover as well as for Income protection. The only thing different in terms of Income protection is that the insurer would be keen to know the impact of your condition on your ability to work and if you’ve taken any time off work due to this condition. Should you find that the terms offered for Income Protection do not suit your requirements then it is worthwhile considering Accident, Sickness and Unemployment Cover. This alternative policy provides a monthly benefit between 12 and 24 months if you are unable to work due to long-term disability. These policies are not medically underwritten which means that your condition will not affect the acceptance terms of the policy. However, you must be fully aware that any claims related to your pre-existing medical history will be excluded from your policy.
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