Arrhythmia

An ectopic beat is a problem in the electrical system of the heart. Ectopic beats refers to a premature contraction of the upper heart chamber (atria), disturbing the normal rhythm of the heart.

Common causes can include infections, certain drugs, stress or stimulants such as alcohol, caffeine, tobacco. However, they can also be associated with cardiovascular disease. They are usually benign and occur frequently in the elderly. Generally treatment is not required, but if a patient is symptomatic beta blockers may be used to treat the condition.

What information should my client provide? 

Your customer should complete the General medical fast-track questionnaire 

Likely acceptance terms

Life cover, specified illness cover, income protection
Ectopic beats which have been fully investigated and where there is no underlying heart disease then normal rates; otherwise refer to underwriting.

Hospital cash cover, accident cover, contribution cover
Ectopic beats which have been fully investigated and where there is no underlying heart disease then normal rates; otherwise refer to underwriting.

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