Congenital Heart Disease

A variety of malformations of the heart that vary significantly in severity.

Likely Underwriting Decision

Depending on the type of congenital abnormality, some cannot be considered until they have been surgically corrected. For more serious abnormalities, coverage cannot be considered until 2 years after surgery

Less serious abnormalities such as small ASD, VSD, Patent Foramen Ovale, may be Standard or better

Ratings for more serious abnormalities (such as large ASD, VSD, coarctation of aorta, tetralogy of fallot, transposition of great vessels): 200% to decline

Factors Affecting the Decision

  • Current age
  • Specific congenital abnormality
  • Treatment including date(s) of any surgery
  • Medications
  • Smoking history
  • Any concurrent serious impairment
  • Any underlying coronary artery disease
  • Active lifestyle
  • Blood pressure and cholesterol readings
  • Family history

Fast Track the App

Requirements:
APS

Fast Track:

  • Include any operative/hospital reports
  • Follow-up and investigations post-op (e.g., serial ECHOs, EKGs)
  • Details of lifestyle modification
  • Activity level