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High blood pressure (or hypertension) is a common health condition that affects over one in five Australians above the age of 18, according to the latest National Health Survey in 2017-18. If you’ve been diagnosed with high blood pressure, you may be wondering if you can still obtain life insurance and how much it may cost if you’re able to purchase it.
You can compare life insurance policies from some of Australia's leading insurers side-by-side with Savvy. Simply fill out a quick online form and consider offers in one place instantly. Get the process started today by getting a quote for a life insurance policy through us.
Can I purchase life insurance if I have high blood pressure?
It may be possible to purchase life insurance if you have high blood pressure. However, whether you can access coverage will depend on your insurer and whether you satisfy their eligibility criteria. If you have high blood pressure, your insurer is likely to consider this a risk to your health and will charge a higher premium as a result. Alternatively, you may be approved for life insurance with specific inclusions relating to your blood pressure or, in some cases, denied coverage if your condition is severe enough.
When applying for life insurance, it’s important to disclose any pre-existing medical conditions, including high blood pressure, as failing to do so could result in your policy being voided in the event of a claim. It may be possible to improve your chances of obtaining more favourable rates by taking steps to manage your blood pressure through lifestyle changes, medication or other treatments recommended by your healthcare provider.
Ultimately, the key to finding appropriate life insurance coverage with high blood pressure is to shop around and compare policies from multiple insurers, which you can do easily through the services of a reputable insurance broker like Savvy.
How much will life insurance cost if I have high blood pressure?
The cost of life insurance can vary depending on several factors. As mentioned, if you have high blood pressure, you’re likely to pay more for your insurance, but some of the other factors which can affect the cost of your coverage include:
- Age: the older you are, the higher your premiums are likely to be. For instance, someone over 30 will generally pay less for cover than another person over 50.
- Health: high blood pressure is just one aspect of your overall health that insurers will consider. Other pre-existing health conditions or a history of illness in your family can also impact your premiums or eligibility.
- Occupation: the riskier your job is deemed to be, the more you’ll pay for cover (some jobs may be deemed uninsurable if they pose too great a risk of injury or illness).
- Coverage amount: the more coverage you purchase, the higher your premiums will be.
- Type of policy: different types of policies, such as term life or income protection, have different costs.
- Smoking: if you smoke, your premiums may be double the cost of those for someone who doesn’t smoke.
- Lifestyle factors: further factors such as your weight can impact your policy’s cost, as well as whether you partake in any risky activities, such as skydiving.
To help you find the best life insurance rates, it's important to compare policies and quotes from different insurers. You can do this easily through Savvy, which allows you to compare policies side-by-side and get quotes from multiple insurers.
Types of life insurance
Life cover can pay a nominated beneficiary a lump sum if you’re diagnosed with a terminal illness or pass away. This type of insurance can provide your immediate family or another loved one some financial assistance to cover funerals, medical costs and day-to-day expenses.
If you’re injured or too sick to work for an extended period, income protection insurance is designed to help you focus on your recovery. You can be covered for up to 70% of your usual wage for a chosen period, such as five years or up to age 65, depending on the level of coverage you buy.
This type of insurance is designed to offer cover to those who are permanently disabled by injury or illness and are no longer able to work. You can choose to take out cover for an inability to work in your current job or in any role suited to your qualifications.
Trauma insurance is a type of policy which provides you with a lump sum payment in the event of a critical illness or major accident. The conditions eligible for claims will be outlined in your insurer's PDS, but can include cancer, heart disease, severe head trauma and cardiovascular disorders.
Why compare life insurance through Savvy?
Common questions about life insurance for those with high blood pressure
Helpful life insurance guides
Life insurance by your condition & profile
Compare life insurance options aligned to your medical condition and profile and receive no-obligation quotes from some of Australia's leading insurers.
Savvy is partnered with Compare Club Australia Pty Ltd (AFS representative number 001279036) of Alternative Media Pty Ltd (AFS License number 486326) to provide readers with a variety of life insurance policies to compare. Savvy earns a commission from Compare Club each time a customer buys a life insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via Compare Club.
Savvy does not compare all life insurance policies or providers currently operating in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.
For any further information on the variety of insurers compared by Compare Club or how their business works, you can read their Financial Services Guide.