Heart Attack – Critical Illness Life Insurance

The heart is the most important organ in the cardiovascular system, as it has to pump blood into the whole body. It is a muscular organ and needs oxygen-rich blood itself. Coronary arteries are the vessels that supply blood to the heart. The functioning of these arteries is very important to ensure a healthy heart. If these arteries and their tributaries get blocked because of certain factors, it can lead to Myocardial Infarction or heart attack.

Heart Attacks can cause a great deal of damage, particularly if not treated immediately. Symptoms may include sudden restlessness, sweating, breathlessness, palpitations, jaw pain, left arm pain, or chest pain. It is imperative that anyone experiencing these symptoms receives medical attention as soon as possible to minimize damage to the heart.

Depending on the severity of the attack, a cardiologist may suggest medical management (such as blood thinning agents), coronary artery angioplasty, or open-heart surgery (commonly referred to as CABG-Coronary Artery Bypass Graft). In any case, it is important to rest for at least 1-2 months following a heart attack. The patient is, therefore, unable to perform his usual activities and earn a living.

Features and Benefits :

Tenure of the policy:

The policy tenure for a risk management policy can be one year, two years, or three years. The premium can be paid quarterly, half-yearly, annually, biennially, or triennially.

This policy offers you flexibility in selecting your premium payment method. You have various levels of coverage options for the sum insured amount from $5,000 up to $40,000, depending on your age. This is available only for individual coverage.

Coverage: 

The policy covers any hospital expenses and surgery up to the sum insured. This plan offers coverage for ambulatory care facilities such as clinics, nursing homes, etc. like most health insurance plans irrespective of your age category (at any time you are covered under this insurance with no class limits) where the maximum applicable amount is $40,000 before covering other necessary medical frills including at-home treatment or specialists’ fees in case admission is required in a particular hospital.

Sum insured: 

The plan provides options ranging from $5,000 to $40,000 as the sum insured.

In-patient treatment: 

Every insured can avail of the in-patient treatment with no restrictions. With the insurance coverage, you are covered from day one to the end of your stay at these hospitals.

Out-patient treatment: 

Ongoing healthcare expenses during the initial period of policy can be handled with insurance cover which will help you ‌meet your daily financial needs so that you have the money needed to raise further claims later on as per the plan’s provisions offered at different hospitals in respective state/city.

Doctor/hospital for a second opinion covered: 

You are covered for additional opinions, second opinions, and independent evaluations.

Why is it important to have Aqua Coast Financials’ Critical Illness Life Insurance Policy, even if you hold an indemnity health insurance plan?

Aqua Coast Financials’ Critical Illness Life Insurance policy differs from other conventional indemnity health insurance policies. If you are diagnosed with a critical illness covered by the policy, you will receive a lump-sum payment. If your doctor recommends a specific treatment, Aqua Coast Financial can give you a lump-sum benefit that can be used to pay for the treatment, care, and recovery.

The money can also ‌pay off debts, substitute for lost income, or adapt to lifestyle changes sometimes. These advance payments are called “Living Benefits” that are built into the policy. Apart from any indemnity health insurance plans, a Critical Illness Life Insurance policy can be very helpful to meet your insuring needs and thus save you a lot in the event of critical illness.

It may also help repair financial losses made by delayed treatment because this plan covers out-of-pocket expenses and hospitalization charges in case there are catastrophic events like death or prolonged coma. In a hospital room with other people suffering from critical illnesses, the doctors cannot do their work without help.

You should always have a financial backup for unexpected events that could affect your ability to live or provide the ‌treatment which is required in case of sudden death (acute myocardial infarction) and conditions leading to long-term disability (stroke, heart attack, and other critical illness).

What is the “Living Benefits” of the Aqua Coast Financials’ Critical Illness Life Insurance plan? 

There is a possibility that the insured will receive his or her benefit in a lump sum, ‌i.e, subject to the exclusions and limitations described in the insurance policy. Listed below are several benefits of cardiac care insurance policies with “Living Benefits”:

• Compensation for the cost of medical treatment and other associated expenses, such as hospital expenses.
• The claim amount can also be used to incur household expenses, so you will be compensated for losing your income if you purchase cardiac care health insurance.
• Some heart insurance policies might even cover treatment abroad, depending on their coverage.
• Your savings might evaporate if medical expenses continue to rise. It provides peace of mind to the insured since, if he or she, unfortunately, falls ill with a heart attack, he/she can use cardiac care insurance “Living Benefits” without worrying about finances.

The best benefit you will see as an insured patient under this policy includes‌:-

• The coverage of certain kinds of expenses, like medicine to treat high blood pressure, oxygen pump supplies, and is also necessary for dealing with long-term disability.

Why Choose Aqua Coast Financials’ Critical Illness Life Insurance Plan for Heart Attack?

You can have complete financial protection while still focusing on your health. Aqua Coast Financials’ Critical Illness Life Insurance can cover some of your expenses via “Living Benefits” in case of an illness. Your family can use the “Living Benefits” as financial support in the form of money if there is a loss of income while you are getting treatment.

The payment is made in one transaction on the first day when the patient is diagnosed with a disease and has been treated for at least 30 days. This money can be used to cover any costs related to the care and treatment of the person, such as medical bills and recuperation aids, and loss of income because of the decreasing ability to earn and pay off debts.

Heart Attack Preventions & Precautions Tips:

Maintaining a healthy lifestyle can reduce the risk of heart disease. The following are a few prevention tips and strategies for heart attacks.

The following are some simple lifestyle changes that reduce the risk of heart attacks:

• Quit smoking
• Exercise and be physically fit
• Lose the extra weights
• Keep a check and control the cholesterol levels
• Control blood pressure levels
• Get proper sleep
• Manage stress
• Control the blood sugar level
• Choose a diet for a healthy heart

How to Prevent a Heart Attack

The best way to prevent heart attacks is to make healthy lifestyle changes, take medications on time, and go for regular heart checks.

Healthy Heart Diet

Heart attacks can be prevented with a healthy diet. Here are some diet recommendations for a healthy heart:

• Eat fish – Fish is high in omega-3 fatty acids, protein, and other nutrients, all of which reduce your risk of heart disease.
• Consume more fruits and vegetables, whole grains, and beans – Plant foods can help reduce the risk of heart disease.
• Remove artificial trans fats from your diet completely. Products such as bakery products, fast food, frozen pizza, etc. increase levels of “bad” cholesterol.
• Avoid consumption of over 7% to 10% saturated fats. Stay away from Packed Foods.
• Add fish, poultry (without skin), lean meat, low-fat or fat-free dairy, nuts, beans, tofu, and legumes to your diet to increase the amount of protein you eat.
• Reducing salt in your diet to control your blood pressure will help.

A heart attack prevention diet is an easy and effective way to maintain a healthy coronary artery. Maintaining a healthy heart by exercising, making healthy food choices, and getting regular checkups will help prevent heart attacks.

Heart Attack Symptoms

Sometimes, heart attack symptoms are sudden and severe, while in others they begin slowly with mild discomfort, as mentioned below:

• Heaviness or pain in the chest, arm, or below the breastbone
• Discomfort radiating to the back, jaw, throat, or arm
• Cold sweat, nausea, vomiting, or dizziness
• Shortness of breath
• Heartburn

Conclusion

Critical Illness Life Insurance for heart attack is a valuable policy that can help you cover the costs of medical expenses related to the heart condition. As you know, buying health insurance is a hard task, and it’s even harder if you have special requirements like Critical Illness Life Insurance for heart attack. We Hope, by following the advice presented in this blog, you’re well on your way to securing yourself and your loved ones against any financial disaster that may occur shortly.

Purchasing Critical Illness Life Insurance for heart attack coverage is one of the smartest decisions you can make, so don’t wait any longer! Visit our website today and get started on building your perfect Critical Illness Life Insurance policy.

FAQs

Disclaimer

This blog is just an informative blog and should not be treated as a substitute for professional medical advice, treatment, and services. The information provided ‌is ‌educationally based on the experience of this blog; we do hope that it will provide you with some value about Critical Illness Life Insurance. Ultimately, the comment section below serves solely as an entry portal for reporting our opinions or any other by-product from real-life experiences. Our association does not provide recommendations for healthcare sites. The editorial staff at customer care service reserves all rights to edit and publish our responses to any comments we may have or not have in the future.