blog-image.jpg

INSURANCE POLICIES AND KNOWING THE RESULTS OF A CARDIAC CT SCAN Firstly, I am not an insurance advisor. I do however get asked frequently what the impact of the results of a cardiac CT scan could have on insurability. I can offer my understanding of the situation which may aid you in your own inquiries, though my advice will need to be checked with your insurance broker or advisor for your own personal needs. There are two basic types of insurance policies:

  • The first is called a Guaranteed Renewable. This sort of policy “guarantees” ongoing insurance regardless of future changes in circumstance. My understanding is that whatever the results of your cardiac CT scan your insurance will not be cancelled, though there may be an adjustment to your premium.
  • The second is called Yearly Renewable. This sort of policy is “renewed” and reviewed each year. A change in situation may affect this policy and impact insurability. An undesirable cardiac CT result could lead to a decision (by the insurer) not to continue insurance and may jeopardize insurance with another insurer.

Both policies require honest and full disclosure. Best to obtain clear advice from your broker or advisor in either setting. I understand guaranteed renewable is usually more expensive, but generally a better product. Best to look into this at a younger rather than older age. It is important to have a handle on this issue. There is little point avoiding an increase in insurance premiums but having a heart attack!!

The comment form is closed for this current news.

Understandably, Dr Bishop is unable to provide individual patient advice over the internet due to the complexity and importance of health related issues, further, Australian guidelines prevent professional specialist advice being offered without appropriate referral.

The author and editors of this website have made every effort to provide information that is accurate and complete as of the date of publication. Readers are advised not to rely on the information provided without consulting their own medical advisers. It is the responsibility of the reader’s treating physician or specialist, who relies on experience and knowledge about the patient, to determine the condition of, and the best treatment for, the reader. The information contained in this website is provided without warranty of any kind. The author and editors disclaim responsibility for any errors, mis-statements, typographical errors or omissions on this website.

This site is not a part of the Facebook website or Facebook, Inc. Additionally, this site is not endorsed by Facebook in any way. Facebook is a trademark of Facebook, Inc.

Authorised Licensee: Dr Warrick Bishop Cardiology Imaging and Miscellaneous Support Pty Ltd


Copyright © 2019+. All rights reserved

Connect with Dr Warrick Bishop

Phone: 1300 441 477
Intl +61 1300441477



Copyright © 2020 haveyouplannedyourheartattack.com.au - All rights reserved.
Got A Question