Coronary artery bypass graft

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) can 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 should complete General medical disclosure fast-track questionnaire 

Likely acceptance terms

In cases where terms are indicated below, this assumes a detailed medical history is available, with up to date cardiology reports.

Life cover

Other risk factors include age, smoking habits and height/weight ratio. Where cases are diagnosed before the age of 35, it is unlikely that terms will be available.

Specified illness cover, income protection
Cover will be declined.

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

Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.
We recommend you contact the underwriting team to discuss individuals with this medical history.