Aortic valve surgery

Surgical treatment of aortic and mitral valve disease (see aortic incompetence and aortic stenosis) consists of repair of the damaged valves or valve replacement. It is usually carried out when the damage to the valve is causing significant symptoms which are progressive. Valve replacement involves replacing the diseased valve with a prosthesis in the form of mechanical or tissue valve. These valves relieve symptoms but have a life span and complications can occur. Ongoing medication is usually necessary after such surgery.

What information should my client provide? 

Your customer should complete the General medical disclosure fast-track questionnaire 

Likely acceptance terms

Life cover
Postpone within one year of surgery.
Thereafter, +200% up.*

Specified illness cover, income protection
Cover will be declined.

Hospital cash cover, accident cover, contribution cover
Cover will be declined.

*If your client has a history of any additional risk factors such as atrial fibrillation, coronary artery disease, stroke, transient ischaemic attack or hypertension, then terms may only be available in select cases.

We recommend you contact the underwriting team to discuss individuals with this medical history.