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 cover 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
Source: NICE medical technology scope: SeQuent Please Neo balloon
catheter for in-stent coronary restenosis Date: August 2017
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 payment 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.
So, don’t recommend the critical illness cover the portals put first.
Recommend the critical illness cover that puts your client first.
To view our Critical Illness Protection definitions in detail, visit our main website.
To find out more about what makes a Guardian policy a better policy, book a product briefing with one of our Account Managers.
Simply complete our online booking form and we’ll call you back.