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.

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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
Great Eastern Great VantageCare

Great Eastern Great VantageCare

Stay protected even after you've made a critical illness claim with Great Eastern's unique buyback option - you won't have to worry about major illness and diseases striking twice!

Sum Assured
from RM30000
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
AXA Affin AssureCare

AXA Affin AssureCare

A severe illness can alter your life completely, from your finances to your daily routine. With AssureCare, claim against all 36 major illnesses for a smooth road to recovery.

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 Great Early Living Care

Great Eastern Great Early Living Care

Don't let an expensive hospital bill burden you or your family. Be insured against severe illnesses even during the early stages, plus zero waiting period between submission of claims.

Sum Assured
from RM20000
Heart Attack
Covered
Surgery To Aorta
Covered
Angioplasty
Covered
Read moreGet Covered Now
AIA A-Life Critical Care

AIA A-Life Critical Care

Have a proper medical emergency plan with the AIA A-Life Critical Care. This includes coverage up to the age of 85 for severe illness, including death and total permanent disability benefits.

Sum Assured
from RM20000
Heart Attack
Covered
Surgery To Aorta
Covered
Angioplasty
Covered
Read moreGet Covered Now
Great Eastern Great Essential Living

Great Eastern Great Essential Living

Give yourself a chance against major health illnesses and diseases with up to 80% extra sum assured in your next policy year - death and total or permanent disability coverage all included in one policy!

Sum Assured
from RM20000
Heart Attack
Covered
Surgery To Aorta
Covered
Angioplasty
Covered
Read moreGet Covered Now
AIA A-Life Critical Shield

AIA A-Life Critical Shield

A critical illness policy that will have you covered up to the age of 85. Your protection will increase as you progress through life, and you won't need to pay for premiums your entire protection term.

Sum Assured
from RM15000
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
Allianz Powerlink Multi-Care

Allianz Powerlink Multi-Care

A one lump sum payment to your family is never enough. With the Multi-Care plan, you will be able to claim for up to 3 critical illnesses from 7 specified groups.

Sum Assured
from RM10000
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
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
Allianz Powerlink Critical Illness Income Rider

Allianz Powerlink Critical Illness Income Rider

Continue to receive a steady income even when you are unable to work due to a severe medical condition. Enjoy additional total permanent disability coverage for no extra payment!

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 Critical Illness

AXA Affin Critical Illness

Whether it's Alzheimer’s or Parkinson’s disease, you can never be too prepared for such unfortunate consequences. Get covered whenever you are struck with one of the 36 major critical illnesses now.

Sum Assured
from RM10000
Heart Attack
Covered
Surgery To Aorta
Covered
Angioplasty
Not 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
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
Allianz Powerlink PayorCover

Allianz Powerlink PayorCover

PayorCover comes with a comprehensive list of critical illness coverage that provides continuous insurance and financial protection for you and your loved ones.

Sum Assured
None
Heart Attack
Covered
Surgery To Aorta
Covered
Angioplasty
Covered
Read moreGet Covered Now
Allianz Powerlink SecureCover

Allianz Powerlink SecureCover

Have complete coverage against death, total and permanent disability and any of the 36 critical illnesses with the investment-linked Allianz Powerlink SecureCover plan.

Sum Assured
None
Heart Attack
Covered
Surgery To Aorta
Covered
Angioplasty
Covered
Read moreGet Covered Now
Allianz Powerlink Secure Cover Plus

Allianz Powerlink Secure Cover Plus

This policy ensures that your child's welfare is taken care of. Allianz will continue to pay for your little one's life insurance plan should you or your spouse fall ill or pass away.

Sum Assured
None
Heart Attack
Covered
Surgery To Aorta
Covered
Angioplasty
Covered
Read moreGet Covered Now
Citibank Secure CI Plus

Citibank Secure CI Plus

Get on track to a speedy recovery with comprehensive coverage from Citibank. Have all the financial support and security you need with no increase in premiums throughout your policy term!

Sum Assured
None
Heart Attack
Covered
Surgery To Aorta
Covered
Angioplasty
Not 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
Citibank Advance CI Care

Citibank Advance CI Care

What's better than an insurance plan that helps you with early detection and treatment for critical illnesses such as cancer and stroke? Free from woe with multiple claims and no waiting period.

Sum Assured
None
Heart Attack
Covered
Surgery To Aorta
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
Great Eastern Great Early VantageCare

Great Eastern Great Early VantageCare

Live in the moment with a protection plan that provides critical illness cover from the early to advance stages up to 50% of the total sum assured, with multiple claims and maturity benefits.

Sum Assured
None
Heart Attack
Covered
Surgery To Aorta
Covered
Angioplasty
Covered
Read moreGet Covered Now

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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.

Coronary Heart Disease is the number one cause of death in Malaysia. It constitutes about 23% or almost one out of four deaths every year, no thanks to our unconditional love for high-fat, high-cholesterol Malaysian food and sedentary lifestyles.

In fact, the numbers show that one is twice as likely to die from a heart attack than any form of cancer. To ensure you don't fall into this rather scary bracket, let's take the time to understand heart attacks a little better.

What is a Heart Attack?

Coronary Heart Disease is caused by a number of mostly lifestyle-related factors, including an unhealthy diet, lack of exercise, being overweight and smoking. 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, part of the heart begins to die, and you’ll feel severe chest aches. This is called a heart attack. It even may be triggered if you were to exert yourself by running, doing heavy work or suddenly become stressed due to work or emotions. Worse case scenario, it could happen without any warning.

How is a Heart Attack Diagnosed?

Symptoms of a heart attack include:

  • 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.

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:

  • Electrocardiogram or ECG, the thing that goes “beep, beep, beep…” can show if there’s any damage to your heart muscle and where it has occurred.
  • A blood test that measures enzymes and indicates heart muscle damage.

What should you do if you suspect having a heart attack?

In the event of a heart attack, it’s important to lessen the amount of damage to your heart. If you experience some of the symptoms listed above, you should call for an ambulance or have someone get you to the hospital immediately.

The best time to treat a heart attack is within one to two hours from the start of the symptoms. Unless you’re a Marvel superhero, waiting is not an option.

What is the treatment 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 goals of the treatment are to break up or prevent blood clots, and to 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.

Which insurance policies cover heart attacks?

Most Critical Illness insurance cover 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 early should I get a 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 card plan.

Generally, premiums (payments made to insurance companies) will be lower if you sign up for a Critical Illness 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.

Do you have questions about heart attacks to get off your chest? Drop us a line in the comments section down below and we will get back to you as soon as we can.