Best Health Insurance for Heart Attack in Malaysia

Coronary Artery Disease is the no. 1 cause of death for men and women worldwide. You're 2 times more likely to die from it than cancer. Get protected with the best Critical Illness insurance that covers surgery and treatment for heart attacks.

Need help choosing?
Apply Online
MSIG Ladies Lifestyle

MSIG Ladies Lifestyle

Sometimes, 'ladies first' shouldn't only be a gesture. Considering women are more prone to critical illnesses, take on this insurance policy to protect yourself from the unknown and be prepared for what might be inevitable.

Sum Assured
from RM100000
Heart Attack
Covered
Surgery To Aorta
Covered
Angioplasty
Not Covered
Read moreGet Covered Now
RHB Easy-Insurans Kasih Critical Illness

RHB Easy-Insurans Kasih Critical Illness

This is a comprehensive healthcare insurance that'll protect you and your finances upon diagnosis of serious illnesses such as cancer, kidney failure, or AIDS.

Sum Assured
from RM50000
Heart Attack
Covered
Surgery To Aorta
Covered
Angioplasty
Not Covered
Read moreGet Covered Now
AmLife HealthCare Secure

AmLife HealthCare Secure

Worry not about medical expenses to burden your loved ones. AmLife SecureCare provides double payout and multiple claims for your added protection. What's more, no waiting in between claims!

Sum Assured
from RM50000
Heart Attack
Covered
Surgery To Aorta
Covered
Angioplasty
Covered
Read moreGet Covered Now
Prudential PRUmultiple Crisis Cover

Prudential PRUmultiple Crisis Cover

An insurance plan that allows you to make multiple critical illness and cancer claims. Enhance your policy with additional benefits against death and permanent disability.

Sum Assured
from RM25000
Heart Attack
Covered
Surgery To Aorta
Covered
Angioplasty
Not Covered
Read moreGet Covered Now
Zurich Prowell Critical Illness

Zurich Prowell Critical Illness

A standalone insurance plan, protecting you up to the age of 100 from all critical illness, death, or permanent disability. If you stay healthy, you will receive 100% of your sum assured upon maturity.

Sum Assured
from RM25000
Heart Attack
Covered
Surgery To Aorta
Covered
Angioplasty
Covered
Read moreGet Covered Now
Manulife Cover-Me-Again

Manulife Cover-Me-Again

There is no guarantee that you won't get another heart attack or stroke. This policy is a critical illness plan that will cover you for selected conditions twice!

Sum Assured
from RM20000
Heart Attack
Covered
Surgery To Aorta
Covered
Angioplasty
Covered
Read moreGet Covered Now
Great Eastern Smart Early Payout CriticalCare

Great Eastern Smart Early Payout CriticalCare

Safeguard your life with a health insurance policy that provides multiple claims and a unique buyback option. This critical illness rider can be attached to another Great Eastern policy.

Sum Assured
from RM12000
Heart Attack
Covered
Surgery To Aorta
Covered
Angioplasty
Covered
Read moreGet Covered Now
Prudential Crisis Cover Plus

Prudential Crisis Cover Plus

An insurance policy that provides a lump sum payment benefit in case of death, total permanent disability or diagnosis of any of the 36 critical illnesses.

Sum Assured
from RM10000
Heart Attack
Covered
Surgery To Aorta
Covered
Angioplasty
Covered
Read moreGet Covered Now
AIA A-Plus Critical Care

AIA A-Plus Critical Care

This CI policy can be attached to a Life basic plan or an investment-linked insurance plan, with coverage for all 36 critical illnesses. Have complete peace of mind with the AIA A-Plus Critical Care.

Sum Assured
from RM10000
Heart Attack
Covered
Surgery To Aorta
Covered
Angioplasty
Covered
Read moreGet Covered Now
AXA Affin 110 CI Care

AXA Affin 110 CI Care

Can you afford medical treatment for your failing kidney or early stage cancer? This package will cover you for up to 110 critical illnesses with 100% payout for any cancer related diseases.

Sum Assured
from RM10000
Heart Attack
Covered
Surgery To Aorta
Covered
Angioplasty
Covered
Read moreGet Covered Now
Prudential Crisis Defender

Prudential Crisis Defender

With the Prudential Crisis Defender, you will enjoy no waiting period, a maximum of 6 claims, and coverage for up to 85 major illnesses and medical conditions.

Sum Assured
from RM10000
Heart Attack
Covered
Surgery To Aorta
Covered
Angioplasty
Not Covered
Read moreGet Covered Now
Prudential Early Crisis Protector

Prudential Early Crisis Protector

A supplementary plan for the Prudential Early Crisis Defender. Claim up to 6 times for over early stage illnesses such as cancer, heart problems, and kidney failure.

Sum Assured
from RM10000
Heart Attack
Covered
Surgery To Aorta
Covered
Angioplasty
Not Covered
Read moreGet Covered Now
AIA A-Plus Early Critical Care

AIA A-Plus Early Critical Care

A complete critical illness rider that allows claims for early detection of major illnesses. Have coverage for up to 92 critical illness conditions across 3 levels of severity.

Sum Assured
from RM5000
Heart Attack
Covered
Surgery To Aorta
Covered
Angioplasty
Covered
Read moreGet Covered Now
AIA A-Plus Multi Critical Care

AIA A-Plus Multi Critical Care

A special CI plan that allows for multiple claims for a critical illness, which includes up to 2 cancer claims. Up to 100% of your sum assured can be received for each claim.

Sum Assured
from RM5000
Heart Attack
Covered
Surgery To Aorta
Covered
Angioplasty
Covered
Read moreGet Covered Now
Manulife CI Early Advantage

Manulife CI Early Advantage

Have the financial support to pay excessive medical treatment for 36 critical illnesses from the early to advance stage. Extra Get-Well-Benefit of 5% of sum assured for your first claim up to RM5000.

Sum Assured
None
Heart Attack
Covered
Surgery To Aorta
Covered
Angioplasty
Covered
Read moreGet Covered Now
Zurich Early Care Critical Illness

Zurich Early Care Critical Illness

Upon a diagnosis of any critical illness, have complete financial security for your treatment and recovery, including rehabilitation benefits and a second medical opinion allowance.

Sum Assured
None
Heart Attack
Covered
Surgery To Aorta
Not Covered
Angioplasty
Covered
Read moreGet Covered Now
Zurich ProLife 36 Super Basic

Zurich ProLife 36 Super Basic

Start your protection early with coverage against 36 critical illness and dread diseases, for children and adults alike. Live life on your own terms with Zurich ProLife 36 Super Basic!

Sum Assured
None
Heart Attack
Covered
Surgery To Aorta
Covered
Angioplasty
Covered
Read moreGet Covered Now
RHB Critical Guard Insurance

RHB Critical Guard Insurance

Prepare yourself for even the worst situations with the RHB Critical Guard. Make sure that if illness is a possibility you will be financially secure to concentrate on only getting better.

Sum Assured
None
Heart Attack
Covered
Surgery To Aorta
Covered
Angioplasty
Not Covered
Read moreGet Covered Now

View More

Find an insurance plan that suits your unique needs

Get protected now with

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our terms & conditions. We respect your privacy and are committed to handle your personal information safely and responsibly.

You're almost done! We’ll make sure that you get the coverage you need with

Just a few questions to answer so we can help you get the best value for your plan!
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to bank website

If you have any questions let us know at can@ringgitplus.com, we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.

Frequently Asked Questions About Heart Attack

Read on to learn more about Coronary Heart Disease and find out how a Critical Illness insurance coverage can help protect and assist you financially.

Did you know that Coronary Heart Disease is the number one cause of death in Malaysia for the past 10 years? It was the leading cause of death for men and the second highest cause of death for women in Malaysia!

But it doesn’t stop there; about 36% of all deaths in the country can be traced back to cardiovascular disease. It accounted for over 52,000 deaths in 2014 according to the WHO disease profile for Malaysia.

Now, thanks to our unconditional love for high-fat, high-cholesterol Malaysian food and sedentary lifestyles, coronary heart disease causes almost one in four deaths every year. Read on to find out all about heart attacks and how critical illness or medical coverage can protect you from them if the unexpected strikes.


Which insurance policies cover heart attacks

Most critical illness insurance covers the medical costs incurred due to a heart attack or other serious Coronary Artery Disease. These include Heart Valve Surgery, Surgery to Aorta, Coronary Artery Bypass Surgery and Angioplasty.

Critical illness plans basically pay out lump-sum payments to the insured, so as to use as an income replacement or for medical treatment. On the other hand, medical insurance plans which some people just refer to as 'medical cards' help cover hospitalisation bills up to the insured amount or lifetime limit.

How do I Choose Insurance Coverage for Heart Attacks?

The first thing to consider is your affordability. If you can afford it, it’s better to get yourself covered with medical insurance that has a critical illness plan for maximum coverage. Remember that when you suffer from a critical illness, you might not be able to continue working and medical insurance typically only covers your hospital bill and treatments.

But there are many other costs related or unrelated to your illness, which are financially burdensome when you are unable to earn. The pay-out from a critical illness plan can be used to cover your basic necessities, alternative treatments not covered by your medical plan, as well as your other financial obligations.

How early should I get Critical Illness or Medical Insurance coverage?

While we enjoy eating mee mamak and sipping on teh tarik, we should always remember that due to the Malaysian lifestyle and the fact that over 60% of Malaysians are either overweight or obese; cases of heart attacks among those below 40 years of age are no longer rare. Our recommendation is for you to get covered as soon as you can afford a critical illness or medical plan.

Generally, premiums (payments made to insurance companies) will be lower if you sign up for a critical Illness plan or Medical Card before 30 years of age, making it the ideal phase to get covered.

However, depending on the insurance provider’s policy, expect to go through a medical check-up at any of the insurer’s panel clinics before the approval of your insurance plan.

Can I Still Get Insurance After I’ve had a Heart Attack?

Unfortunately, due the ‘pre-existing condition’ clause found in medical insurance plans, it’s very difficult, if not impossible, to get insurance for the illnesses you’ll already developed. This may also extend to diseases related to your pre-existing condition.

However, it’s best to seek advice from a few different insurance providers to check if coverage is a possibility if you have already suffered a major illness.

Whatever you do, be honest during your policy applications. You can be denied your claim if you falsify your details or health status during your application or upon making a claim.


What is a Heart Attack?

Coronary Heart Disease is caused by lifestyle-related factors - including unhealthy diet, lack of exercise, obesity, and smoking habits. It happens when plaque, a waxy substance, is built-up within your blood vessels. This limits the flow of blood to your heart muscles, a condition popularly known as atherosclerosis.

Over time, this will cause your blood vessels to become narrow, or worse, blocked. At this stage, your heart may no longer function efficiently. A heart attack happens when the flow of oxygen-rich blood to a section of heart muscle suddenly becomes blocked and the heart can’t get oxygen.

At this point, parts of the heart begin to die, and you’ll feel severe chest aches. This is called a heart attack. It may even be triggered if you were to exert yourself by running, doing heavy work, or suddenly become stressed due to work or emotions. What makes it so deadly is the fact that it could happen without any warning.

Who Is Prone to Heart Diseases and Heart Attack?

According to the National Cardiovascular Database Annual Report , in terms of ethnicity, Malays and Indians suffer from heart disease more than Chinese in the country. Gender-wise, men are more likely than women to be diagnosed with heart disease.

Nevertheless, we should all take care of our heart, regardless of race or gender as the numbers will show that one is twice as likely to die from a heart attack as any form of cancer.

Is There a Difference Between a Heart Attack and Heart Failure?

Certainly, these are two completely different things even though they affect the same organ. A heart attack – which is usually caused by a blockage in an artery due to smoking, being obesity, high cholesterol, or high blood pressure – is when the blood supply to the heart muscle goes awry, which suffocates the muscle and causes them to die.

A heart failure, on the other hand, refers to the heart’s inefficiency to pump enough blood supply each time it beats. When you have a heart failure, your heart – which is also a pump – will fail to pump the same amount of blood per heartbeat, but it doesn’t mean that your heart will stop immediately. It just means that it doesn’t work as well and as efficiently as a healthy heart would.

What is Heart Disease?

Heart disease happens when blood vessels narrow or become blocked, leading to a heart attack, stroke and other heart conditions such as angina (chest pains). Heart disease also refers to conditions where the heart is weakened by birth defects and infections among others.

Is ‘Cardiac Arrest’ The Same as a Heart Attack?

No, a cardiac arrest is when the heart suddenly stops beating. This is a serious medical emergency where the sufferer can die if treatment is not received within minutes. It can usually follow a heart attack, recovery after a heart attack, or a heart failure.


What Are the General Symptoms of a Heart Attack?

So how do you know if you or a loved one is having a heart attack? Here are the signs that you might be having a heart attack: • Pain in the chest, arm or below the breastbone. • Discomfort in the back, jaw, throat or arm. • Difficulty when breathing, shortness of breath. • Feeling of heartburn, indigestion, or choking. • Sweating, nausea, vomiting or dizziness. • Extreme weakness, anxiety, and irregular heartbeat.

Are Heart Attack Symptoms Different In Men and Women?

For the most part, men and women experience the same symptoms as above. However, women may suffer from nausea, indigestion, and palpitations more than they would chest pains.

So, if you are a woman, do consider a health check if you experience these symptoms in addition to severe fatigue, back pain, and shortness of breath.

What to Do if You are Having a Heart Attack?

The first thing – and even though it’s hard – is to try not to panic. Call someone to take you to a hospital or nearest clinic at the very least.

If there isn’t anyone around, call an ambulance or find a way to get yourself to a hospital – or Uber there if you must! It’s important to see a doctor right away just in case it really is a heart attack.

Seeking treatment immediately may help lessen the amount of damage to your heart. Moreover, the best time to treat a heart attack is within one to two hours from the start of the symptoms.

How to Diagnose a Heart Attack?

If you are admitted to a hospital (God forbid), there are a few ways they can tell whether you’ve just had a heart attack:

  1. Electrocardiogram or ECG –It’s the thing that goes “beep, beep, beep…” and it can show if there’s any damage to your heart muscle and where it has occurred.
  2. A Blood Test – This test will measure enzymes and let your doctor know if heart muscle damage has occurred.

What Are the Available Treatments for Heart Attack?

Treatment begins immediately after a heart attack is diagnosed. Drugs such as heparin or warfarin and surgical procedures are used to treat a heart attack. The goal of the treatment is to break up or prevent blood clots and stabilise the plaque.

These medications must be given as soon as possible, preferably within 2 hours from the start of the attack, to reduce the amount of damage.

Compare some of the insurance plans offered on RinggitPlus before you make your decision on what you want in your protection against Heart Attacks.