Insurance for heart conditions
Finding travel and
life insurance can be difficult when
you have a heart condition or are recovering from a heart attack or
We know how frustrating this can be, so we’ve
compiled a list of sympathetic
insurance companies that can help people who have a heart
We don't work with or endorse any of the
companies mentioned and we can't guarantee that they will be able
to offer insurance to everyone - however, this may prove to be a
good starting point.
How do I answer the medical questions for insurance
Insurance is a popular talking point on our
online community, and you can find
the latest information from fellow travelers and insurance
companies there. Search discussions for the word ‘insurance’ to get
The health declarations that insurance
companies ask for are often very detailed, particularly about your
past and present health conditions and medications.
It’s really important to declare all
your past and present health conditions. If you leave out
important information this could result in any claim made being
It is a good idea to talk to your GP before
purchasing an insurance policy as they will be able to help you
answer the medical questions.
What if I can't find travel insurance?
The British Insurance
Brokers’ Association (BIBA) may be able to help if you are
finding it difficult to get travel insurance.
Will a European Health Insurance Card (EHIC) cover my heart
The EHIC can entitle UK citizens to free or
reduced-cost medical treatment in many European countries. This can
include treatment for problems caused by pre-existing heart
While it is important to have a
European Health Insurance Card (EHIC) when you're travelling in
most European countries, it doesn't replace travel
insurance so it's important to have both.
You can apply for an EHIC online on the
NHS Choices website or through the Post Office. For a full list
of the countries covered by an EHIC and more general information,
Department of Health.
You can also access oxygen supply services
while you’re abroad through the EHIC. You will need to contact the
Department of Health's Customer
Service Centre on 020 7210 4850 to pre-book these treatments
before going on holiday.
What if I want to go abroad for medical treatment or
An S2 form (previously called the E112) may give you the option
of undergoing medical or surgical treatment in other EU countries.
You can find more information on this from the
Department of Health.
Getting life insurance
Most people with a pre-existing heart
condition will be able to purchase life insurance, although the
cost may be more expensive. You should shop around to get the best
value life insurance. See our list of sympathetic
insurance companies to get started.
What if I have a complaint?
If you have any complaints or think you have
been treated unfairly as a result of a policy claim, the
Service is there to help you.
We want your feedback
We welcome your feedback about insurance. You
can contact us online or write to
British Heart Foundation
Greater London House
180 Hampstead Road