Aortic DiseaseAortic disease is a condition of the aorta, the large artery which delivers blood from the heart to the rest of the body. It can take two forms, an aortic aneurysm or aortic dissection
An aortic aneurysm is when a weakness develops in part of the aorta and a bulge develops. If the bulge ruptures it can cause potentially fatal haemorrhaging. An aortic dissection is when the aorta’s lining tears and blood flows between the inner and outer layers of artery’s wall. This can cause a rupture and haemorrhaging. A family history of aneurysms is one indicator whilst risk factors include the usual suspects of smoking, high cholesterol and hypertension (high blood pressure). Your health insurance provider would consider all of these risk factors when deciding on your premiums.
Is aortic disease covered by Private Medical Insurance?
If you already have a diagnosis (aneurysms may be detected through X ray or ultrasound scans for other conditions, or through screening) then most private health insurance policies would not cover your aortic disease, as it would be classed as a ‘pre-existing medical condition’. Some policies will accept pre-existing medical conditions but may charge a higher premium or place specific restrictions on the cover provided.
- If you do not have a diagnosis when taking out your insurance then you may be covered for certain treatments, subject to policy limits and restrictions.
- If you have a diagnosis but are not symptomatic, receiving advice, diagnostic tests or taking medication, then you may be covered if your policy is based on moratorium underwriting.
If you are insured under a group or company medical insurance policy using ‘medical history disregarded’ (MHD) underwriting you may be covered. As policies and the levels, limits and restrictions of cover vary, you should seek expert advice before you take out a private medical insurance policy.
Which treatments for aortic disease does private health insurance cover?
In terms of prevention, a private health insurance policy may assist you in addressing risk factors by giving access to health and wellbeing programmes which offer medical and lifestyle advice and discounted membership of gym and health clubs. The type of programme, if offered, and the benefits provided will vary between policies.In terms of treatment, depending on your policy and your condition you may be eligible for elective surgery or the fitting of a stent - a mesh tube which is used to strengthen the aortic wall. However, if you suffer a ruptured aortic aneurysm or dissection you will require immediate emergency medical treatment which unless under exceptional circumstances would be provided by the NHS.
We can help you find a Health Insurance Policy suitable for aortic disease
At Chase Templeton we’re expects in understanding and explaining to you the ins and outs of private health insurance policies. Whatever your situation, we can help you find a policy that’s right for you - contact us today.