Insurance

Can You Buy Insurance After Angioplasty? Explore underwriting

Author Bowtie Team

Updated on 2025-07-09

Disclaimer: This article is translated with the assistance of AI.

Wondering if you can still get insurance after angioplasty? Will extra premiums (Loadings) apply? The Bowtie team breaks down the underwriting guidelines for you.

What is Angioplasty?

Angioplasty, also known as percutaneous coronary intervention or coronary angioplasty, is a procedure to widen narrowed coronary arteries in patients with coronary heart disease. This helps restore blood flow and reduce the risk of heart attacks.

Is Angioplasty a One-Time Fix?

Nope! There’s still a chance the arteries could narrow again, with a recurrence rate of about 5% to 40% .

Which Insurance Can You Buy After Angioplasty?

Generally speaking, we only consider applications for cancer or accident insurance products .

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Underwriting Factors for Angioplasty Patients

1. Age at Diagnosis?

We take into account the age at which the insured was diagnosed, such as whether it was before or after the age of 40.

2. What Treatments Were Received? (Including Medication/Surgery)

We assess the type of treatment received, such as medication, percutaneous coronary intervention, or coronary artery bypass surgery.

3. Extent of Coronary Artery Blockage?

We evaluate the condition of the coronary arteries, including how many arteries are blocked and the severity of the blockage.

4. Current Symptoms, Aftereffects, or Complications?

We consider the insured’s recovery status, such as the date of diagnosis, the date of the last treatment, whether there are current symptoms (e.g., chest pain), and if there are any aftereffects or complications.

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Author

Bowtie Team

The Bowtie Life Insurance Company Limited is an authorized life insurance company and Hong Kong’s very first virtual insurer approved. Through the use of modern technology and medical expertise, Bowtie offers an agent-free, commission-free and more convenient online platform for customers to quote, apply and claim for Voluntary Health Insurance Scheme (VHIS) anytime anywhere. Bowtie is ranked first in the direct channel sales throughout 2021. Stay up to date at www.bowtie.com.hk