Similar to getting life insurance for heart patients, getting life insurance after bypass surgery can be difficult. Many standard insurance providers categorise bypass surgery as a major health risk automatically, even if you’re an otherwise healthy individual. Although this may make finding life insurance after bypass surgery seem impossible, you should know that it is doable. You simply need to work with the right specialists to find it.
If you underwent bypass surgery in the past and now want appropriate life insurance for your case, then Special Risk Managers can help. We’re Australia’s top experts in finding life insurance for those with serious medical conditions or undergoing special circumstances. Whether you’re after whole life insurance or other policies like income protection insurance, trauma insurance, or TPD insurance, we’ll help you get the coverage you’re looking for.
Call us today on 1300 665 356 to speak with one of our specialists.
Insurance Complications with Bypass Surgery
The main reason why many find it difficult to get life insurance after bypass surgery is that it’s closely associated with coronary heart disease, which is a major risk factor for any insurer. Many (if not most) cases of bypass surgery involve some form of heart disease, making many insurance providers consider such cases as high-risk.
Another reason why getting life insurance after heart surgery is difficult is that it can take some time to evaluate the level of risk after surgery. Evaluating any complications from bypass surgery and assessing its overall effect on your health can take several months to do properly. It also requires plenty of proof and support from professional medical practitioners to convince insurance providers of your current level of health.
Together, these complications commonly cause application denials or policies with significantly higher premiums.
The Factors that Insurers Consider
If you’re applying for life insurance after bypass surgery, you’ll find that most insurance providers typically consider the following factors when assessing your case:
Time of SurgeryDetails of Surgery
The nature of your bypass surgery (including details like how many vessels were bypassed) will affect your overall level of risk. Generally, the fewer vessels that were bypassed, the less risk you will pose to insurers. Also, the fewer complications you had during surgery, the better off you’ll be.
Cause of the Surgery
The factors that led to your bypass surgery also play important roles in assessing your application. Bypass surgeries as a direct result of heart attacks are almost always considered riskier than other causes. Cases caused by other factors are often considered less risky but still serious.
Post-surgery Recovery and Progress
How well you recovered from surgery and your level of progress afterwards will affect how insurance providers assess your case. The better your recovery and progress, the less risk you’ll pose. Also, the fewer complications you had after surgery, the better your case will be. Complications typically present themselves several months after the bypass surgery; hence, the standard waiting period discussed above.
Overall Health and Lifestyle
Aside from your level of health post-surgery, insurance providers will also evaluate the “big picture” with regards to your lifestyle. They’ll evaluate your overall health, including any other medical conditions or health risk factors that you may have. They’ll also assess how healthy your lifestyle is and how well you’ve coped since your surgery. The better you take care of yourself and follow your doctor’s prescribed regimen for recovery, the less risky you’ll be to insurers.
Why Choose Special Risk Managers
There’s no doubt that getting life insurance after bypass surgery is difficult, but it’s not impossible. You do, however, need to work with the right specialists to get the best policies for your case. Navigating the strict guidelines surrounding life insurance for heart patients is tough, and it requires in-depth industry expertise to get results.
If you want to avoid the troubles of getting life insurance after heart surgery or need expert guidance for your case, let our specialists help. Special Risk Managers are Australia’s top experts in finding life insurance for those with serious medical conditions or special circumstances, and we’ve helped clients across the country get the life insurance they need. Whether you’re after whole life insurance or policies for income protection, TPD insurance, or trauma insurance, our team will help you find your best options.
Contact our team today or call us on 1300 665 356 to speak to our life insurance specialists. With Special Risk Managers, we’ll show you that getting life insurance after bypass surgery can be both possible and more affordable than you think.