Bypass

When an individual is suffering from chest pains (angina) caused by a narrowing or blockage of the coronary arteries and drug treatment is not sufficient to relieve the symptoms, a coronary artery bypass graft (CABG) may be performed. This is a surgical procedure which bypasses the coronary obstruction by taking a vein from the leg and using this to establish a new channel for blood supply, linking up with the usual coronary arteries below the narrowing or blockage. Occasionally synthetic grafts are used. The major cause of coronary artery disease is unaffected by CABG, the procedure itself is effective for relief of symptoms, but it is not curative, so control of cardiac risk factors is vital.

What information should my client provide?

Your customer can complete the General medical disclosure fast-track questionnaire .

Facts:

Approximately 10,000 people die each year from cardiovascular disease in Ireland.

It is the most common cause of death in Ireland accounting for 33% of all deaths.

Source: www.irishheart.ie

Likely Underwriting Acceptance:

Life Cover	Specified Illness Cover	Income Protection
Postpone within one month of procedure Terms will range from +100 – 300% thereafter depending on severity of disease*. For severe cases or a history of more than one procedure –refer to Underwriting	Decline	Decline

 

*Risk factors including age, smoking habits, height/weight ratio will be taken into account.  In some severe cases, terms may be unavailable.

Please note that likely acceptance terms are indicative only and cases are subject to full underwriting