Getting to the heart of the matter


We can’t mend a broken heart, but we can ensure that financial support is there for you when something does go wrong.  Major illness in connection with the heart is a fundamental of Critical Illness Cover, and should this happen, we want to give you the best chance of a successful claim.

You might be asking yourself what the differences are and whether these different definitions actually matter in a critical illness product. Let’s take a closer look by first reminding ourselves what these conditions are:    

   Heart attack – Blood flow to the heart is interrupted, leading to part of the heart muscle dying due to lack of oxygen

   Cardiac arrest – When the heart literally stops beating

   Heart failure – When the heart stops functioning properly and cannot pump blood effectively.

Heart failure is usually a chronic degeneration or weakening of the heart, whereas a heart attack and cardiac arrest are instant and sudden events.  When looking at heart disease, early intervention can help prevent these conditions from happening in the first place.

With critical illness cover, several serious heart surgeries can be included, such as coronary artery bypass grafts. This type of surgery helps improve blood flow through the heart, hopefully preventing a future heart attack from happening. Some less severe forms of surgery, such as coronary angioplasty, are additional benefits. 

I know most people don’t want to think about such things, but hopefully you’ll agree that when it comes to matters of the heart, we, as advisers do think about them and can help you plan for the unexpected.

For more information call us now on 0141 956 5525