Heart Disease
Tom ONLY NEEDED ONE
STENT FITTED BUT HIS POLICY ONLY
PAYS OUT IF HE HAS TWO
Tom was rushed to hospital with chest pains.
He was suffering from angina, so a partially blocked coronary artery meant he was at risk of a deadly heart attack.
Tom was lucky. The surgeon was able to perform an angioplasty and clear the artery by inserting a single stent. But…
His critical illness policy won’t pay out. Apparently, his policy only pays out if he has two stents fitted and Tom only needed one.
Tom is not alone
75,000
CORONARY ANGIOPLASTIES
ARE CARRIED OUT IN THE UK
EACH YEAR
2 million
PEOPLE IN THE
UK HAVE OR HAVE
HAD ANGINA
Source: NICE medical technology scope: SeQuent Please Neo balloon
catheter for in-stent coronary restenosis, August 2017.
THAT’S WHY, AT GUARDIAN, WE DO THINGS DIFFERENTLY
While some other providers won’t pay out unless a customer’s angioplasty includes the fitting of two stents, we’ll pay out an additional 25% of the sum assured up to a maximum of £50,000 if they need just one.
What’s more, the customer remains fully covered which means that if they become critically ill in the future, we’ll make a further payout of the full sum assured.
Needing one stent can still be critical and life threatening if not treated.
That’s why we make an additional payout regardless of how many stents are needed.
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