Does Trauma Insurance cover Heart Attack?

When you purchase Life insurance with NobleOak, you can also apply for separate cover in the form of Trauma Insurance.

Trauma Insurance cover provides extra financial security in the event of one of the 38 serious health conditions listed under the policy occurring. These listed conditions include Heart Attack.

Along with Heart Attack, NobleOak’s Trauma policy also covers Cancer, Stroke, and Coronary Artery Bypass Surgery.

These four medical conditions account for over 90% of Trauma Insurance claims in Australia.

What is a heart attack?

A Heart Attack, according to the National Heart, Lung and Blood Institute (NHLBI), occurs when the flow of oxygen-rich blood to a section of heart muscle is restricted or blocked.

When this happens, the heart muscle does not receive enough oxygen and begins to die, which may result in healthy heart tissue being replaced with scar tissue.

The NHLBI lists Coronary Heart Disease (CHD) – a condition in which fatty plaques build up in the coronary arteries over time – as the most common cause of a Heart Attack.

If this plaque ruptures, it can cause a blood clot to form which may block the artery and prevent normal blood flow, which in turn may lead to a Heart Attack.

Better Health states that the most common causal risk factors for a Heart Attack include smoking, high cholesterol, obesity, high blood pressure, diabetes, and also family history.

Symptoms of a Heart Attack

According to NHLBI, symptoms may be sudden and severe, such as chest pain and shortness of breath, or more ‘vague’ symptoms, such as sweating, nausea, light-headedness or unusual fatigue.

When a person experiences a Heart Attack, urgent medical treatment needs to be administered as soon as possible to reduce the risk of damage to the heart tissue.

Better Health states that emergency assistance should always be obtained immediately if any of the above mentioned symptoms occur.

Diagnosis and treatment

According to Better Health, diagnosis is first determined via an electrocardiogram (ECG) and blood tests.

A coronary angiogram may also be conducted depending on the results of the ECG and blood tests.

When a Heart Attack is diagnosed treatment will be commenced immediately. Stent insertions are now most common to re-open narrowed arteries.

In more extreme cases Coronary By-Pass surgery may be required to address arterial blockages.

The Heart Foundation provides good information on their website on how to manage heart health which will improve the quality of life.

This advice includes undertaking regular physical activity, having regular medical check-ups, advice on healthy eating and cardiac rehabilitation and also further information regarding prescribed medications.

NobleOak’s Trauma Insurance

Trauma Insurance can provide a lump sum payment up to $2 million for any of the listed conditions under the contract, including Heart Attack. The amount of Trauma Cover available is determined at the time of Application.

In the event of a claim, the payment can be used to fund ongoing (and possibly expensive) medical treatment, complete any necessary modifications to the home due to the changed medical circumstances, replace lost income, or for any other purpose including mortgage repayments and meeting the day to day family living expenses and ongoing educational expenses, or to take a holiday.

The cost of Noble Oak’s Trauma Insurance depends on the amount of cover proposed, and also the age and health of the Life insured.

It’s wise to consider Trauma Insurance as part of your overall Life Insurance portfolio when you are younger and healthier as this will secure lower premiums.

This cover is available to people aged 16 to 59, and is renewable up to age 70.

While Life Cover provides cover in the event of an untimely death, Trauma Insurance provides payment on the diagnosis of one of the 38 medical conditions listed under the policy.

It can provide immediate financial assistance and an additional layer of financial protection for you and your family.

Contact NobleOak if you would like a no-obligation Trauma Insurance quote.

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