What to Do In Case of a Heart Attack

When responding to a heart attack, every passing second counts. The most essential step is acting fast; call an ambulance instantly. As you wait for responders to arrive, keep the patient as calm as possible. If they have stopped breathing, initiate CPR (cardiopulmonary resuscitation) and continue until help arrives. A calm and well-prepared response can spell life or death.

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Along with knowing how to respond in such critical moments, having life insurance in place helps protect a family financially if a medical emergency like a heart attack leads to an unexpected loss.

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Recognising Heart Attack Symptoms

A heart attack occurs when the heart fails to receive an adequate flow of blood. Earlier detection of a heart attack means timely assistance for you. Receiving care immediately may save your life, and identifying signs earlier allows you to shield your family’s finances during this time.

Acknowledge the Crisis (Medical and Financial Awareness)

Many people instinctively pause or feel unsure when chest pain begins. Ignoring the signs can delay critical care.

These medical signs may include:

Chest Discomfort: Pressure, squeezing, fullness, or pain in the centre of the chest.
Radiating Pain: Spreading to the left arm, neck, jaw, or back.
The "Silent" Symptoms: Cold sweat, nausea, or extreme lightheaded

Immediate Action Plan: The "Golden Hour" Protocol

If you think someone is having a heart attack, follow these steps in sequence.

Call Ambulance (112/108): Do not drive. Paramedics can begin treatment en route to the hospital.
Give Low-Dose Aspirin (162–325 mg): If the patient is conscious and not allergic, give them Disprin or Aspirin. Chew it, don’t swallow. This will thin the blood and stop clot formation.
Do CPR: If they aren’t breathing, begin hands-only CPR (push hard and fast in the middle of the chest).

Once the patient is in the ambulance, the family must initiate the “Financial First Aid.”

Find the TPA Card: The health card or policy number is required immediately for cashless admission.
Choose a Network Hospital: Tell the ambulance to go to a network hospital that is listed with your insurance company.
Declare Pre-Existing Conditions: While filling up the admission forms, it is important to be truthful about the past history (Diabetes, BP).

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Financial Preparedness: Protecting Your Family's Future

First aid during a medical emergency is often prioritised. However, first aid for financial stability is equally significant. A heart attack impacts not only health but can also disrupt a family’s financial security. Finances also get impacted since the bill will be high, and the recovery process takes a toll on the family's budget. If the prime breadwinner succumbs to a heart attack, it would be a burden on the family, both emotionally and economically. This is where Term Life Insurance can help.

A Term Insurance plan provides protection to your family during your lifetime. It helps to:

Replace Lost Income: This benefit is a continuation of your income for your loved ones.
Settle Outstanding Debts: The home or auto loan would be paid off by the claim proceeds.
Ensures Future Goals are Protected: Your children’s education and marriage are not disrupted.

Final Take

A heart attack can be frightening, but awareness makes a real difference. Recognising the warning signs early and responding quickly can significantly improve outcomes and may even save a life. It's easy: call emergency services, remain calm, supply aspirin to the patient when possible, and begin CPR as necessary.

Protecting family members goes beyond physical well-being; financial security is just as essential. A ₹1 Crore Term Insurance Plan is typically affordable and can provide substantial long-term protection. Regardless of unexpected health events, such cover helps ensure that a family’s financial stability remains intact.

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FAQs

Q1. Does Term Insurance cover heart attacks?

Ans: Yes. Term Insurance includes death from a heart attack, which is classified as a natural cause of death. Provided you answered all health questions truthfully when you purchased the insurance policy, your claim will be honoured.
Q2. How is cardiac arrest different from a heart attack?

Ans: A heart attack occurs when blood flow to the heart muscle is blocked. Cardiac arrest results from a failure in the heart’s electrical system, causing the heart to stop beating suddenly.
Q3: Can I go to the hospital by myself, driving a car in case of a heart attack?

Ans: No. Driving yourself during a heart attack is unsafe, as symptoms can worsen suddenly and may lead to loss of consciousness. Call an ambulance or get a neighbour/family member to take you to the hospital.
Q4. At which stage should one purchase Term Insurance?

Ans: Term Insurance is best purchased as early as possible. It costs less to get a Term Plan if you are young and healthy. Health conditions change as you get older, for example, because of hypertension or a risk of heart problems.

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˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI.

Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

Rs. 400/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 400/month (Rs.13/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 230 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 12/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 497/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 487/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 626/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 905/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. ₹360/month is the starting price for a ₹99 lakhs loan cover with an 8% interest rate for an 18-year-old male, non-smoker, with no pre-existing diseases, loan tenure up to 20 years, rounded off to the nearest 10

+Rs. 1,267/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.

+Rs. 447/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs.679/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 910/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,924month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

Women

+Rs. 400/month is Starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.

1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 years of age.

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We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881

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