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European Heart Journal 2003 24(17):1595-1600; doi:10.1016/S0195-668X(03)00346-4
Copyright © 2003 by the European Society of Cardiology.
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Risky business: Insuring adults with congenital heart disease

Isabelle Vonder Muhlla,1, Gordon Cummingb,2 and Michael A. Gatzoulisa,*,3

a The Royal Brompton & Harefield NHS Trust, London, UK
b The University of Manitoba, Winnipeg, Manitoba, Canada

* Corresponding author. Dr M.A. Gatzoulis, Royal Brompton Hospital, Adult Congenital Heart Unit, Sydney Street, London SW3 6NP, UK. Tel.: 44-20-7351-8602; fax: 44-20-7351-8629
E-mail address: m.gatzoulis{at}rbh.nthames.nhs.uk

Received 16 June 2003; revised 16 June 2003; accepted 20 June 2003

Accurate prognostication in congenital heart disease is vital for purposes of obtaining insurance, yet can be problematic for patients, physicians and insurers. This article discusses the scope of the problem, and describes the process of evaluating life insurance. Mortality data as well as predictors of adverse outcomes for individual congenital heart lesions are reviewed. Practical tips for patients and their physicians are given to aid in successful application for insurance. To expand the possibility of future patients obtaining insurance coverage, the ongoing reporting and constant updating of very long-term survival data in congenital heart disease is emphasized.

Key Words: Congenital heart disease • Insurance • Prognosis


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