| http-equiv="Content-Type" content="text/html; | | | | standard rates. |
| charset=utf-8"> | | | | For those who have had a heart attack, it is more |
| Different insurance companies offer different | | | | difficult to get life insurance, especially young patients |
| insurance policies, particularly cases involving serious or | | | | who concurrently have a family history of CAD. In |
| critical illnesses such as a coronary artery disease | | | | addition, it would also be difficult to get coverage, |
| (CAD). First let me begin by providing a brief overview | | | | regardless of age, if the patient has sustained any |
| of CAD. It is one of the most common types of heart | | | | considerable damage to the cardiac muscle and show |
| disease in Australia which occurs when plaque | | | | abnormal ECG readings. For patients who have had a |
| accumulates in coronary arteries. As the plaque | | | | heart attack but suffered little or no damage to the |
| continues to build up, arteries narrow and may lead to | | | | cardiac muscle and have been successfully treated, |
| conditions like myocardial infarction, angina, and | | | | there is still a possibility of getting coronary life |
| blockages in arteries that may eventually require | | | | insurance as early as two to three years following the |
| treatment with medication or surgical procedures such | | | | preliminary treatment. However, any existing risk |
| as coronary bypass surgery and angioplasty. | | | | factors such family history of CAD, smoking, obesity |
| The million dollar question is whether you can avail of | | | | or being overweight and diabetes will make it |
| coronary life insurance. You can start by requesting | | | | extremely difficult, almost impossible to receive an |
| for a free consultation. The insurance company can | | | | offer for coverage. |
| help you determine if it it’s advisable for you to | | | | After going through the entire process — |
| apply for coverage and also give you a cost estimate. | | | | consultation with your cardiologist, a barrage of tests |
| In general, if you haven’t had a heart attack, but | | | | to determine the extent of your CAD, interviews with |
| had blockage in one or more coronary arteries and | | | | the insurance firm — and you were lucky to be |
| received immediate treatment, you have a good | | | | offered a coverage, the next step would be to |
| chance of getting coronary life insurance. The rates | | | | determine the most effective way to ensure that you |
| you are charged will depend on a number of factors, | | | | are getting the best offer for your coverage. It would |
| including your age, family history, the number of | | | | be wise to go with a reputable insurance firm that can |
| blocked arteries, ECG readings, lipid profile, blood | | | | help you get the coverage you need at the most |
| pressure, medications, the type of surgical procedure | | | | competitive rates available based on your health |
| you had, and how often you are examined and tested. | | | | issues. You can also search for an agent who works |
| The key is to show that you have been continuously | | | | on a regular basis in the so called Special Risk |
| monitored and that you have shown a marked | | | | marketplace. The agent will have the necessary |
| improvement as regards to your condition. Life | | | | knowledge, experience, skills and persistence to get |
| insurance firms like to see improvement and as this is | | | | you the most reasonable rate available for your |
| frequently the case, patients are able to get the | | | | coronary life insurance. |
| coverage they want, although at a higher than the | | | | |