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Many critical illness policies do not cover repeat heart attacks

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Did you know that half of all heart attacks are repeat attacks?


Insurance company Pru Protect says that, unlike many other protection insurance policies, their serious illness cover could continue even after policyholders have made a claim.


February is National Heart Month and aims to raise awareness of heart and circulatory disease, which is the UK's biggest killer - claiming more than one in three deaths each year. The good news is that this death rate is declining as a result of medical advances in treatment such as angioplasty and clot-busting drugs.


The possibility of surviving a critical illness before you reach 65 is almost twice as great as dying. Because people are surviving more illnesses and living longer, the chance of suffering a secondary illness is increasing. Half of all heart attacks are repeat attacks.


Pru Protect’s Kevin Carr says “Unlike most of our competitors, our serious illness cover could continue even once clients have made a claim, and without higher premiums. So if the condition gets worse, or if they suffer a different condition, they could claim again and again and again. We can do this because we pay out based on the severity of the illness, and any remaining cover remains available if the need to claim arises again.”


In the spirit of National Heart Month, Pru Protect is donating £2,000 to the British Heart Foundation, helping support their commitment to beating heart disease.


Critical illness insurance: News update: 11/02/2009


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