Informing insurance company of heart attack

[Sandyhop1]

My husband has had a heart attack this weekend. He is fine had two stents fitted and discharged . He has life cover and a joint life cover with me they are not critical illness just life do we still have to inform the insurance companies of his heart attack even though we aren’t making a claim

[NorthantsSteve]

Hi Sandyhop1. I’d have a close read of the small print. It shouldn’t make any difference to the premium or the cover as you took it out before he was diagnosed. My policies don’t require an update on any subsequent health conditions.

[Sandyhop1 in reply to NorthantsSteve]

Thanks the only thing is the joint one I’m not able to find the original policy documents and since it’s been taken over by another company they haven’t sent out any new ones

[NorthantsSteve in reply to Sandyhop1]

I would probably contact the insurance people and ask. They’re very rules driven. If there is a rule that says you have to inform them - then they’ve been informed. If there isn’t a rule - then you’ll know and it won’t be recorded. It’s going to be a problem getting new insurance anyway. But that will be the case whether or not you let them know as you need to be totally honest. I’d be very surprised if it made a difference to them as that’s the gamble with insurance. In your case the ‘odds’ have moved in your favour. But probably by not very much as us HA + stentees are a pretty good risk. By the way - also check any loans or mortgages for critical illness.

[Sandyhop1 in reply to NorthantsSteve]

Thanks

[MikeBB]

No need. My background is in the life insurance industry btw.

New policies would of course require such disclosure.

You do need to tell your motor insurance though.

[Sandyhop1 in reply to MikeBB]

Thanks I’ve found the original policy doc and it doesn’t state any where that we have to inform them

[Driver11]

Hi for peace of mind it is worthwhile letting the insurance company know. You don't want to make a claim and then find there's a problem. All insurance companies are different but they'll always look for a way out - good luck

[NYA2019]

I told my motor insurance and they said, 'thank you but we didn't need to know'. It made no difference to my premiums. Some insurers may want to know so to be on the safe side it would be a good idea to tell them, that way you have peace of mind.

If you have not already seen this, this link may be useful to you:

bhf.org.uk/informationsuppo....

[RonaldB]

I agree entirely with Mike BB.

Underwriting is based on your health at outset when effecting Life Assurance Policies. The Life Assurance company assess the risk/ life expectancy at that time only i.e. medical events post underwriting are not subject to any re-evaluation of the premiums.

Good luck for the future.