Cardiomyopathies are a group of disorders of the heart muscle in which the heart can no longer receive or pump blood effectively throughout the body. They can be secondary to other diseases or idiopathic (unknown cause). The risks associated with cardiomyopathy can include fainting, breathlessness, fatigue, angina and sudden death.
| Classification of cardiomyopathy | |
|---|---|
| Hypertrophic (HOCM) | A genetic disorder which involves enlargement of the left and/or right ventricle and can be characterised by aortic or mitral murmurs. |
| Idiopathic dilated | Cause unknown. This is the most common form of cardiomyopathy. |
| Ischaemic | Occuring where there is a history of heart attack. |
| Post or peri-partum | A rare condition that can occur in young females during the last month of pregnancy or within five months post partum. |
| Alcoholic induced | This is cardiomyopathy due to a history of excess alcohol use. |
| Mild | Asymptomatic, some abnormalities on chest x-ray and electrocardiogram. |
| Moderate | Mild symptoms on exertion with abnormalities on chest x-ray and electrocardiogram. |
| Severe | Symptoms at rest or with mild exertion, significant abnormalities on chest x-ray and electrocardiogram. |
What information should my client provide?
Your customer should complete the General medical disclosure fast-track questionnaire.
Facts:
One in every three people with diagnosed with cardiomyopathy has relatives with cardiomyopathy
Source: www.irishheart.ie
Likely Underwriting Acceptance:
| LIFE COVER ONLY | |||
|---|---|---|---|
| Mild | Moderate | Severe | |
| Hypertrophic (HOCM) |
100% to 150% |
100% to 200% |
Decline |
| Idiopathic |
150% upwards |
150% upwards |
Decline |
| Ischaemic |
Decline |
Decline |
Decline |
| Alcoholic |
150% upwards |
150% upwards |
Decline |
| Peri/post-partum |
Over 1 year since diagnosis, fully recovered, with no cardiac problems - Standard Rates |
||
- Cover will be declined for Specified Illness and Income Protection Cover
Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.
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