Do you payout for a serious heart attack?

A heart attack which leads to a permanent reduction in your heart’s effectiveness. (Measured by an ejection fraction of 45% or below at least one month after the attack)

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What we won’t payout for

Ejection fraction above 45

A healthy heart has an ejection fraction of 50 or more. Between 45 and 50 there are some signs of damage, but normal physical activity is usually still possible.

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What we will payout for

Ejection fraction 45 or lower

With an ejection fraction of 45 or lower, normal physical activity is likely to lead to fatigue, breathlessness, or palpitations.

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The long term impact of a heart attack depends on the size of the area affected and the time between injury and treatment. We will payout if the attack leaves you with a heart that doesn’t pump as well as a normal one, and most likely makes normal daily activities more difficult.