Health Insurance for Heart Conditions. UK Guide, Costs &

Health Insurance for Heart Conditions. How Can You Get It? - Get fast access to treatments, avoid NHS waiting lists - Get access to top UK consultants and private hospitals - Get speedy diagnostics and tests - Save up to 23% by switching with us # Health Insurance for Heart Conditions. How Can You Get It? I have lived with a heart condition for years, so I get how tough it can be. In 2011, doctors diagnosed me with a failed aortic valve. Since then, I’ve gone through three valve replacement surgeries, two on the NHS and one privately. In my experience, private health insurers won’t cover heart conditions you already have or take medication for. They classify these as pre-existing conditions and exclude them from policies offered by AXA PMI, Bupa, Vitality, and Aviva. That said, if you already hold a policy and develop new heart symptoms, your insurer may still cover those. Here’s a bit more on how that works. ## Get Tailored Health Insurance Quotes from Top UK Insurers - - - - - - - [](#quote) [](#quote) ## Your health insurance options with a heart condition ### Health Insurance for pre-existing heart conditions If you have a heart condition, choosing private health insurance in the UK is not as simple as it sounds. I did not realise this at first either. Most insurers will cover heart issues, but only if they are new and occur after your policy starts. If you have already had symptoms or you are on medication, that is where it gets tricky. Most insurers will class it as pre-existing and exclude it from your policy. Every provider does this, so it is worth knowing upfront. What are the main types of underwriting? When you actually start looking into policies, you’ll come across two options Moratorium and Full Medical Underwriting (FMU): Moratorium With moratorium underwriting, your insurer excludes any pre-existing conditions for the first two years of your policy. During that time, if you don’t have symptoms or need treatment or medication, those conditions may be covered later. It’s a simpler option as you don’t need to provide your full medical history upfront. Full Medical Underwriting You must declare your full medical history from the start under the FMU underwriting option. Your insurer