Does Trauma Insurance cover Coronary Artery Bypass Surgery?
When you purchase Life Insurance with NobleOak, you can also apply for separate cover in the form of Trauma Insurance.
Trauma Insurance can provide crucial financial support if you are diagnosed with one of the 38 listed medical conditions. One of the most common conditions covered is coronary artery bypass surgery, which is a popular form of treatment for coronary heart disease.
What is coronary heart disease?
Coronary heart disease is the leading cause of death in Australia, responsible for the death of one Australian every 27 minutes.
Coronary heart disease occurs when one or more coronary arteries narrows due to a build-up of plaque and scar tissue, reducing blood flow. If not treated, this can result in blood clots and possibly a heart attack.
The main risk factors for coronary heart disease include high blood pressure, high cholesterol, inactivity, smoking, poor diet, obesity, older age and hereditary factors. Around 90% of Australians are considered to have one risk factor for heart disease, while 25% are estimated to have three or more.
What is coronary artery bypass surgery?
According to the Better Health Channel, bypass surgery (also known as ‘coronary artery bypass grafting’ or ‘CABG’) is so-called as it is performed to bypass the part of a coronary artery that has become narrowed due to the build-up of plaque and the formation of scar tissue.
The surgery involves grafting a section of healthy artery tissue (often from the patient’s leg) to the affected artery, creating a new channel for blood to flow. This procedure may reduce coronary heart disease symptoms such as angina, improve heart function and reduce the risk of heart attack – improving the overall quality of life and increasing the life span of the patient.
How it can affect your life
After undergoing this surgery, the patient will need to adjust their lifestyle through dietary changes, quitting smoking if they were previously a smoker, losing some weight if overweight, and probably increasing their physical activity. Reducing stress levels is also helpful in improving health and quality of life following heart surgery.
The recuperation period after surgery could be lengthy, and patients may require considerable time off work. They may also need time to make modifications to their home to accommodate changed health circumstances.
How NobleOak’s Trauma Insurance can help
NobleOak’s Trauma Insurance pays a lump sum up to $2 million if you are diagnosed with one of the listed 38 medical conditions outlined in the PDS – regardless of whether or not it can be successfully treated.
A Trauma Insurance payment can be used however you like. For example, you may need this money to:
- pay for medical treatments including specialists, hospitals, and Medicare or health insurance gaps
- pay household bills and expenses
- clear your debts or get ahead in your mortgage payments
- replace your partner’s income if they take time off work to provide care
- hire additional help with housework or child care.
Is Trauma Insurance right for you?
If you and your family are likely to experience financial stress if you suffered a serious illness, then Trauma Insurance should be an important consideration for you. Commencing Trauma Insurance while you are healthy will help minimise the premium costs.