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Chronic Heart Failure (CHF)

Reviewed and updated by practising UK GPs, overseen by our Clinical Advisory Officer. Last updated 5 Oct 2026.

🧭 When to suspect

Suspect chronic heart failure in anyone with the cardinal triad captured by the BEAT-HF prompt – breathless, exhausted, ankle swelling? Time for a simple blood test.

• Core symptoms: breathlessness (on exertion or lying flat – orthopnoea), fatigue and peripheral oedema.

• Some patients describe waking suddenly at night gasping for breath (paroxysmal nocturnal dyspnoea).

The diagnosis is more likely against a background of ischaemic heart disease, hypertension, atrial fibrillation or diabetes. Suspicion is raised further by:

• A history of heavy alcohol intake

• Cardiotoxic chemotherapy (for example anthracyclines or trastuzumab)

• A family history of cardiomyopathy or sudden cardiac death

Use NT-proBNP as the gateway to diagnosis, and classify by ejection fraction, because the type of heart failure determines which drugs prolong life.

Type Left ventricular ejection fraction (LVEF) Note
Heart failure with reduced ejection fraction (HFrEF) – reduced < 50%

• Responds to the four pillars of prognostic therapy

• Now includes 41–49%, previously called mildly reduced (HFmrEF)

Heart failure with preserved ejection fraction (HFpEF) – preserved ≥ 50% Treat with an SGLT2 inhibitor and an mineralocorticoid receptor antagonist (MRA), plus aggressive comorbidity control

Echocardiography is needed to assign the type: NT-proBNP does not differentiate between reduced and preserved ejection fraction.

• The 2026 European Society of Cardiology (ESC) guideline uses two types (reduced below 50%, preserved 50% or more) and retired the mildly reduced type (HFmrEF, 41–49%).

• It also stages heart failure from A to D: A at risk, B structural heart disease without symptoms, C symptomatic heart failure, D advanced heart failure.

• NICE funding decisions still set their own left ventricular ejection fraction (LVEF) criteria, e.g. finerenone needs LVEF ≥ 40% (TA1182), so check them when prescribing.

Source: NICE NG106 · NICE QS9 · ESC 2026


🩺 History

Ask about symptoms

• Establish breathlessness, orthopnoea (ask how many pillows) and paroxysmal nocturnal dyspnoea (waking gasping for breath)?

• Ask about fatigue or reduced exercise tolerance compared with the patient's baseline?

• Confirm ankle or leg swelling – and whether it resolves overnight?

• Ask about abdominal bloating, early satiety or anorexia (ascites or hepatic congestion)?

• Ask about palpitations, nocturnal cough or syncope?

• In known heart failure, confirm any rapid weight gain or step-change in symptoms (decompensation)?

Ask about risk/modifiers

• Check for ischaemic heart disease, hypertension, atrial fibrillation, diabetes or known valve disease?

• Ask about previous myocardial infarction or cardiotoxic chemotherapy (anthracyclines, trastuzumab)?

• Identify drugs that cause or worsen heart failure – NSAIDs, verapamil/diltiazem, pioglitazone?

• Explore alcohol intake (alcoholic cardiomyopathy) and any recreational drug use?

• Ask about family history of cardiomyopathy or sudden cardiac death?

• Ask about recent viral illness (myocarditis) or symptoms of thyroid disease?

🧩 Patient Perspective

➤ "Explore the patient's understanding of the heart failure diagnosis and any concerns about prognosis or the future?"

➤ "Ask how symptoms limit daily activities, and what impact they have on mood and quality of life?"

Source: NICE NG106


⚠️ Red Flags

Escalation criteria

➤ Severe breathlessness at rest → suspected acute pulmonary oedema → 999 or emergency admission

➤ Hypoxia or respiratory distress (for example SpO₂ < 94% on air) → emergency admission

➤ Haemodynamic instability (systolic BP < 90 mmHg, signs of shock, new confusion) → 999

➤ Sudden, significant deterioration in symptoms over a short period → urgent same-day assessment

➤ Exertional or unexplained syncope → possible arrhythmia or outflow obstruction → urgent assessment

➤ Known heart failure with rapid weight gain and worsening congestion → impending decompensation → urgent review

Source: NICE NG106


🔎 Examination

Examination findings and signs

• Elevated jugular venous pressure (JVP) or a positive hepatojugular reflux – the most useful bedside sign of congestion.

• Bilateral basal crackles on auscultation (pulmonary oedema), sometimes with a wheeze ("cardiac asthma").

• Displaced apex beat (laterally), indicating cardiomegaly.

• Third heart sound (S3) gallop, or murmurs suggesting valvular disease.

• Pitting peripheral or sacral oedema, hepatomegaly and ascites.

• Pulse, blood pressure and weight – note tachycardia, an irregular pulse (AF) and resting tachypnoea.

Source: NICE NG106


💬 Patient Explanation

Heart failure means your heart isn't pumping as well as it should, which can leave you breathless and cause fluid to build up.
We can't cure it, but modern treatment is very effective – we use a combination of medicines proven to help people feel better and live longer.
The plan is to get you on the right medicines and support you with lifestyle changes to keep you well.


🧪 Investigations

Test Indication & interpretation
NT-proBNP

First-line diagnostic test that drives referral urgency.

• < 400 ng/L (untreated) makes heart failure unlikely.

• 400–2,000 ng/L → specialist assessment and echocardiography within 6 weeks.

• > 2,000 ng/L → within 2 weeks (very high levels carry a poor prognosis).

ECG (12-lead)

• Look for ischaemia, left ventricular hypertrophy (LVH), AF or conduction disease

• A completely normal ECG makes heart failure unlikely

• Also needed before starting a beta-blocker

Bloods

• FBC (anaemia), U&E (baseline before RAAS/MRA therapy and for monitoring), LFTs, TFTs, HbA1c and lipids

• Check ferritin and transferrin saturation for iron deficiency in heart failure with reduced ejection fraction (HFrEF)

Chest X-ray Cardiomegaly, pulmonary oedema, pleural effusions, or an alternative cause for breathlessness.
Transthoracic echocardiography – specialist-initiated

• Confirms the diagnosis and assigns the type: HFrEF (LVEF < 50%) or heart failure with preserved ejection fraction (HFpEF) (≥ 50%)

• Also identifies valve disease

🧠 Clinical pearl

• A "normal" NT-proBNP does not always exclude heart failure.

• Levels are pushed down by obesity, by African or African–Caribbean family background, and by the very drugs used to treat heart failure (diuretics, ACE inhibitors, ARBs, angiotensin receptor-neprilysin inhibitors [ARNIs], beta-blockers and mineralocorticoid receptor antagonists [MRAs]).

• If clinical suspicion is high despite a level below 400 ng/L – particularly in an obese or already-treated patient – discuss with the heart failure team rather than stopping there.

Source: NICE NG106 · NICE QS9 · ESC 2026


💊 Management

All patients with heart failure

1. Confirm the diagnosis and ejection fraction type – NT-proBNP first, then echocardiography.

2. Treat by type (HFrEF or heart failure with preserved ejection fraction [HFpEF]): start the disease-modifying drugs early and titrate them up.

3. Relieve congestion with a loop diuretic, titrated to symptoms and daily weight.

4. Identify and treat reversible factors and comorbidities – AF, iron deficiency/anaemia, hypertension, thyroid disease, depression.

5. Review in primary care at least 6-monthly.

If severe/urgent

• IV diuretics and respiratory support are managed in secondary care.

• Discuss palliative care and advance care planning as the illness advances.

🔑 Key principle – treat for prognosis, not just symptoms

• In HFrEF, the four pillars – an ACE inhibitor (or angiotensin receptor-neprilysin inhibitor [ARNI]), a beta-blocker, an mineralocorticoid receptor antagonist (MRA) and an SGLT2 inhibitor – each independently reduce mortality.

• Start them early and titrate to the maximum tolerated evidence-based dose, rather than starting them and leaving them.

• Do not withhold a beta-blocker on the grounds of age, COPD, peripheral vascular disease, erectile dysfunction or diabetes.

• Loop diuretics relieve symptoms but do not prolong life.

BEAT-HF: breathless,exhausted, ankle swelling•time for a simple blood test•ECG: a completely normal ECG makes heartfailure unlikelyAcute decompensation: 999 oremergency admission•severe breathlessness at rest, SpO2 <94% on air•systolic BP < 90 mmHg, signs of shock,new confusionNT-proBNP (untreated)< 400 ng/Lheart failure unlikely; discuss withthe HF team if suspicion is high(obesity, HF drugs lower it)400-2,000 ng/Lspecialist assessment andechocardiography within 6 weeks> 2,000 ng/Lspecialist assessment andechocardiography within 2 weeks;poor prognosisEchocardiography: LVEF below50% (HFrEF)?HFrEF: the four pillars, eachprognostic•ACE inhibitor (ramipril, lisinopril,enalapril) or ARNI•beta-blocker: bisoprolol, carvedilol ornebivolol•MRA: spironolactone or eplerenone•SGLT2 inhibitor: dapagliflozin (Forxiga)or empagliflozin (Jardiance)HFpEF (LVEF ≥ 50%)•SGLT2 inhibitor and an MRA (finerenone)•finerenone 20 mg OD (10 mg if eGFR25-59)•not if K > 5.0 or eGFR < 25•treat hypertension, AF, obesity anddiabetes•with obesity: semaglutide or tirzepatide(ESC 2026)Loop diuretic for congestion(all phenotypes)•furosemide or bumetanide, lowesteffective dose•relieves symptoms but does not improvesurvival•daily weight: rise > 1.5-2 kg over 2days = fluid retentionTitrate and monitor•up-titrate ACE inhibitor every 2-4 weeks(e.g. ramipril 10 mg daily)•U&E 1-2 weeks after starting and eachincrease, then 3-6 monthly•act if creatinine rises > 50% orpotassium > 5.5 mmol/LPersistent symptoms on maximalfour pillars: specialist•switch ACE inhibitor tosacubitril/valsartan (Entresto)•stop ACE inhibitor at least 36 hoursbeforehand•ivabradine (sinus rhythm, HR ≥ 75),digoxin, hydralazine + nitrateStable: primary-care review atleast 6-monthly•cardiac rehabilitation; annual flu, one-off pneumococcal•avoid NSAIDs, verapamil/diltiazem,pioglitazone•SGLT2 sick-day rules: euglycaemic DKAred flags≥ 400 ng/L: echoYESNOstill symptomatic at maximum tolerated dosessymptoms controlledstableNT-proBNP gateway to phenotype-led treatmentOcean 🌊GPAtlas Ocean 🌊

Source: NICE NG106


🧾 Non-pharmacological Treatment

Intervention Details
Patient education Teach self-management, recognition of worsening symptoms, and the importance of medication adherence.
Daily weight monitoring

• Advise daily weighing

• A sudden rise of > 1.5–2 kg over 2 days suggests fluid retention and may warrant a diuretic adjustment

Cardiac rehabilitation Refer to a supervised programme of exercise, education and psychological support.
Diet & fluids

• Avoid excessive salt

• Routine severe salt or fluid restriction is not recommended

• Restrict fluid only if dilutional hyponatraemia occurs

Lifestyle

• Support smoking cessation and advise limiting or stopping alcohol

• Encourage regular activity within tolerance

Vaccination

• Annual influenza and one-off pneumococcal vaccination

• Offer COVID-19 vaccination per the current schedule

Driving counselling Advise on DVLA notification obligations, which depend on New York Heart Association (NYHA) class and licence group (see Special Notes).

Source: NICE NG106


⚕️ Pharmacological Treatment

Treatment Options and Escalation

➤ For symptom relief (fluid overload) – all phenotypes

→ Loop diuretic – furosemide or bumetanide; titrate to symptoms and weight to the lowest effective dose. Relieves congestion but does not improve survival.

➤ HFrEF (LVEF < 50%) – the "four pillars" (each is prognostic; start early, titrate to maximum tolerated dose)

→ ACE inhibitor – e.g. ramipril, lisinopril or enalapril; up-titrate roughly every 2–4 weeks towards target (e.g. ramipril 10 mg daily); monitor renal function and potassium.

→ Beta-blocker licensed for heart failure – bisoprolol, carvedilol or nebivolol. Avoid in second- or third-degree heart block without a pacemaker, or if heart rate < 50 bpm.

→ Mineralocorticoid receptor antagonist (MRA) – spironolactone or eplerenone; monitor potassium and renal function closely (hyperkalaemia risk, especially combined with an ACE inhibitor/ARB).

→ SGLT2 inhibitor – dapagliflozin (Forxiga) or empagliflozin (Jardiance); may be initiated in primary or specialist care depending on the local pathway.

→ If ACE inhibitor not tolerated (non-angioedema) → use an angiotensin receptor-neprilysin inhibitor (ARNI) in its place; if angioedema → beta-blocker + MRA + SGLT2 inhibitor, and consider an ARB.

➤ Persistent symptoms on maximal four pillars – specialist-led

→ Switch the ACE inhibitor to an ARNI – sacubitril/valsartan (Entresto). Stop the ACE inhibitor at least 36 hours beforehand to reduce the risk of angioedema; do not co-prescribe with an ACE inhibitor or ARB.

→ Consider ivabradine (sinus rhythm, heart rate ≥ 75 bpm), digoxin (worsening HFrEF, or for rate control in AF), or hydralazine with a nitrate (particularly in patients of African or Caribbean family origin) – all specialist decisions.

➤ HFpEF (LVEF ≥ 50%)

→ An SGLT2 inhibitor and an MRA (finerenone, detailed below); the 2026 European Society of Cardiology (ESC) guideline recommends an MRA at any ejection fraction.

→ A loop diuretic for congestion, and treatment of hypertension, AF, obesity and diabetes.

→ With obesity, the 2026 ESC guideline suggests semaglutide or tirzepatide; in the UK, prescribe within NICE's weight-management criteria.

➤ Finerenone when LVEF is 40% or more (NICE TA1182, 2026)

→ Finerenone is a non-steroidal MRA recommended by NICE (TA1182) for symptomatic heart failure with a preserved or mildly reduced ejection fraction (LVEF ≥ 40%); only the second disease-modifying option here after SGLT2 inhibitors (FINEARTS-HF trial).

• Specialist-initiated (cardiology), with primary care monitoring under shared care.

→ The target dose is set by the eGFR at initiation, not by everyone reaching the same dose:

• eGFR 60 or above: start 20 mg once daily, target 40 mg.

• eGFR 25 to 59: start 10 mg, target 20 mg.

• Recheck potassium and eGFR at 4 weeks before each step up.

• Do not start if serum potassium is above 5.0 mmol/L or eGFR is below 25.

→ Check potassium and eGFR at baseline, about 4 weeks after starting or any dose increase, then periodically; the main risk is hyperkalaemia.

• As a non-steroidal MRA it is used instead of a steroidal MRA (spironolactone, eplerenone), not alongside one.

➤ Key safety warning – SGLT2 inhibitors

→ Rare but serious risk of diabetic ketoacidosis, including euglycaemic DKA (normal or near-normal glucose). Counsel on "sick-day" rules – pause during acute serious illness – and test for ketones if symptoms suggest ketoacidosis even when glucose is normal.

➤ Drugs to avoid in HFrEF

→ Avoid verapamil, diltiazem and short-acting dihydropyridines; avoid NSAIDs and pioglitazone, which worsen fluid retention.

⚠️ Common pitfall

• Treating the symptoms and forgetting the prognosis.

• It is easy to keep increasing the furosemide when a patient with HFrEF feels breathless and stop there – but the loop diuretic does nothing for survival.

• The mortality benefit comes from establishing and up-titrating all four pillars.

• A patient parked on a large dose of diuretic with sub-target doses of disease-modifying therapy is under-treated, not optimised.

Source: NICE NG106 · MHRA Drug Safety Update · ESC 2026


📌 Special Notes & DVLA

📌 DVLA – fitness to drive (heart failure, including ischaemic and dilated cardiomyopathy)

→ Asymptomatic (NYHA I):

• Group 1 – may drive and need not notify DVLA.

• Group 2 – may drive if left ventricular (LV) ejection fraction is at least 40% but must notify DVLA.

→ NYHA II:

• Group 1 – may drive if symptoms are stable and not likely to distract the driver or otherwise affect safe driving; need not notify DVLA.

• Group 2 – may drive if left ventricular ejection fraction (LVEF) is at least 40% and symptoms are stable, but must notify DVLA.

→ NYHA III:

• Group 1 – may drive if symptoms are stable and not likely to distract the driver or otherwise affect safe driving; need not notify DVLA.

• Group 2 – must not drive and must notify DVLA; licence refused or revoked, with relicensing only if symptoms are controlled and in NYHA I or II and LVEF is at least 40%.

→ NYHA IV:

• Group 1 – must not drive and must notify DVLA; licence refused or revoked, with relicensing only if symptoms are controlled and in NYHA I, II or III.

• Group 2 – must not drive and must notify DVLA; relicensing only if symptoms are controlled and in NYHA I or II and LVEF is at least 40%.

→ Left ventricular assist device:

• Both groups must not drive and must notify DVLA.

• Group 1 may be reassessed under individual assessment only after 3 months; Group 2 is barred permanently.

• Renal and electrolyte monitoring – measure renal function and electrolytes when using an ACE inhibitor, angiotensin receptor-neprilysin inhibitor (ARNI), ARB or mineralocorticoid receptor antagonist (MRA).

• Check before starting, 1–2 weeks after starting and 1–2 weeks after each dose increase.

• Then check every 3–6 months once the maximum tolerated dose is reached, and whenever renal function may be compromised.

• Local guidance should define action if creatinine rises by more than 50% or potassium exceeds 5.5 mmol/L.

• A completely normal ECG makes heart failure unlikely – but it is not a substitute for echocardiography, which is still required to confirm and classify the diagnosis.

• Review medicines that worsen heart failure – NSAIDs, verapamil/diltiazem and pioglitazone – and stop them where possible.

• SGLT2 inhibitor "sick-day" advice – pause during acute serious illness and check ketones if unwell, given the risk of euglycaemic diabetic ketoacidosis.

Source: DVLA · NICE NG106 · MHRA Drug Safety Update


➡️ Referral Pathways

Same-day/urgent

• Red flags of acute decompensation (hypoxia, hypotension, pulmonary oedema) → emergency admission

• Exertional or unexplained syncope → urgent assessment

Refer within 2 weeks

• NT-proBNP > 2,000 ng/L → specialist assessment and echocardiography within 2 weeks

• Persistent symptoms despite optimal four-pillar therapy → urgent specialist review

Refer within 6 weeks or routine

• NT-proBNP 400–2,000 ng/L → specialist assessment and echocardiography within 6 weeks

• Stable established heart failure → structured primary-care review at least 6-monthly, plus cardiac rehabilitation

Source: NICE NG106 · NICE QS9


🏠 Take Home Messages

• NT-proBNP is the gateway to diagnosis – < 400 ng/L (untreated) makes heart failure unlikely, 400–2,000 ng/L warrants echocardiography within 6 weeks, and > 2,000 ng/L within 2 weeks.

• Recognise the pattern and exclude mimics – breathless, exhausted, ankle swelling, especially with ischaemic heart disease (IHD) or hypertension; a completely normal ECG makes heart failure unlikely, and red flags such as hypoxia or hypotension need immediate admission.

• Heart failure with reduced ejection fraction (HFrEF) means the four pillars – an ACE inhibitor (or angiotensin receptor-neprilysin inhibitor [ARNI]), a beta-blocker, a mineralocorticoid receptor antagonist (MRA) and an SGLT2 inhibitor, started early and titrated to maximum tolerated doses; they prolong life, whereas loop diuretics only relieve symptoms.

• Monitor and counsel on the medicines – check renal function and potassium when starting and titrating RAAS/MRA therapy, don't withhold beta-blockers for age or COPD, and warn SGLT2-inhibitor patients about euglycaemic DKA and sick-day rules.

• Counsel on DVLA duties – Group 1 drivers in New York Heart Association (NYHA) IV must stop and notify; Group 2 drivers must notify and need an left ventricular ejection fraction (LVEF) of at least 40%, with NYHA III–IV barred until controlled to NYHA I–II.

Source: NICE NG106 · DVLA
 


🧭 AKT – high-yield facts

• NT-proBNP thresholds: < 400 ng/L heart failure unlikely (untreated) · 400–2,000 ng/L echo within 6 weeks · > 2,000 ng/L echo within 2 weeks.

• NT-proBNP is lowered by obesity, African/African–Caribbean background and HF drugs (diuretic, ACEi/ARNI/ARB, beta-blocker, MRA); raised by age, CKD, AF, sepsis and COPD.

• HFrEF (LVEF < 50% since the 2026 European Society of Cardiology [ESC] guideline; previously ≤ 40%) four pillars: ACE inhibitor + beta-blocker + MRA + SGLT2 inhibitor; switch the ACE inhibitor to an ARNI if still symptomatic on maximum tolerated doses.

• Loop diuretics relieve symptoms but do not reduce mortality – a classic exam point.

• Beta-blockers licensed for heart failure: bisoprolol, carvedilol, nebivolol; don't withhold for age or COPD; avoid in second/third-degree block without a pacemaker or if heart rate (HR) < 50. Avoid verapamil and diltiazem in HFrEF.

• Consider IV iron if haemoglobin < 150 g/L with ferritin < 100 ng/mL or transferrin saturation < 20%. SGLT2 inhibitors carry a risk of euglycaemic DKA.

• DVLA: Group 1 NYHA IV must stop and notify; Group 2 must notify, needs LVEF ≥ 40%, and is barred in NYHA III–IV until controlled to NYHA I–II.

🎯 SCA

A 78-year-old man with HFrEF (LVEF 30%) attends with his daughter after his third hospital admission this year. Despite optimal four-pillar therapy, he is now breathless at rest (NYHA IV) and asks, "Am I going to get better?"

The challenge is genuine: the honest answer is that his prognosis is poor and uncertain, with a real risk of sudden cardiac death, yet his daughter wants "everything done" and he is understandably frightened.

The consultation must deliver unwelcome news and open advance care planning without removing hope.

A strong consultation:

• Explores his and his daughter's ideas, concerns and expectations (ICE).

• Discusses prognosis sensitively and in small chunks, acknowledging uncertainty while being frank about the risk of sudden death.

• Agrees a shared plan: symptom control, what matters most to him, a ceiling of care and any advance care plan or device considerations, with specialist and palliative input as needed.

• Provides clear safety-netting about who to contact if he deteriorates.

• Shows empathy and respects his autonomy throughout.


📎Reference: NICE NG106. Chronic heart failure in adults: diagnosis and management. Available from: https://www.nice.org.uk/guidance/ng106

📎Reference: NICE QS9. Chronic heart failure in adults (quality standard). Available from: https://www.nice.org.uk/guidance/qs9

📎Reference: NICE CKS. Heart failure – chronic. Available from: https://cks.nice.org.uk/topics/heart-failure-chronic/

📎Reference: MHRA. Drug Safety Update – SGLT2 inhibitors: updated advice on the risk of diabetic ketoacidosis. Available from: https://www.gov.uk/drug-safety-update/sglt2-inhibitors-updated-advice-on-the-risk-of-diabetic-ketoacidosis

📎Reference: DVLA. Cardiovascular disorders: assessing fitness to drive (heart failure section). Available from: https://www.gov.uk/guidance/cardiovascular-disorders-assessing-fitness-to-drive

📎Reference: European Society of Cardiology. 2026 ESC Guidelines for the management of heart failure. Eur Heart J 2026. doi:10.1093/eurheartj/ehag100. Available from: https://academic.oup.com/eurheartj/advance-article/doi/10.1093/eurheartj/ehag100/8766302

Part of The Ocean Library, 450+ structured clinical topics mapped to the primary care curriculum. Companion audio in Echo · one-page summary in The Scope.

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