Uk health insurance

Posted , 6 users are following.

ive had AF for 5 years now but have not been seen by any medical professional or taken any medication for AF for 4 years (successful ablation in 2015 then signed off by consultant)

My understanding is that in the UK if you apply for private health insurance you do not have to declare anything medically if it was 5yrs ago or longer ?

am i right in thinking this and if so would it be best to be completely honest with the insurance company and mention the AF but stating that it was more than 5yrs ago so doesnt count ?

i really want insurance so that if i need another ablation in the future i wont have to wait on nhs or pay privately like i did last time but i dont want to pay all those premiums for them to turn me down when i need them


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9 Replies

  • Posted

    Surely any application form would detail the information needed.

    I think that as they want to avoid paying claims that that you have detail everything even back to childhood illnesses.

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  • Posted

    Hi Steve, I had an ablation on the NHS three years ago aged 68, which has been successful. I waited six months, choosing the NHS after seeing a cardiologist privately; fortunately I don't need another one at the moment.

    I do however need world wide travel insurance, and my philosophy is simple, tell them everything, give them zero excuse for refusing to pay a claim, happily it has worked so far.

    Out of interest, how much does one have to pay for an ablation done privately?

    Best Regards

    Sherpa Al

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  • Posted

    Thanks Steve, I hadn't imagined it would be as much as that. Interestingly, do you not take an anti coagulant? Even post ablation I have taken Apixaban, but then I did have a stroke shortly after the AF diagnosis.


    Sherpa Al

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