Heart Attack Insurance

But I’m healthy – why do I need heart attack insurance?

Protection Against a Silent Threat: Heart Attack
- Heart disease remains to be the top cause of death in the Philippines, comprising 19% of total deaths in the country, with 36% of those aged 20 years and above being obese and 20% being smokers. That's one out of five people!

Rising Incidence of Heart Conditions
- There's a 37% rise in hypertension cases since the 90's.

Soaring Healthcare Expenses
- Treatment costs for heart attack can set you back by at least ₱980,000 and as of 2019, was even seen to outpace inflation by close to three times.


So why is Oona Heart Attack Insurance the right choice?

100% Cash Payout
- Got Heart Attack Insurance? Great! You get a 100% of your coverage amount in cash to help you with anything you need as you recover.

Buy Online with No Medical Examination
- Worried about questions and medical checks? Don’t be! You can apply online by answering 4 simple
health questions.

Flexible Length of Cover
- Getting older? That’s no problem for your cover.
-You can renew your Heart Attack Insurance policy up to your 65th birthday.


Oona gives you..

Cost-Effective Premiums for Heart Attack Coverage
- Get ₱500,000 of coverage from as low as ₱86/year.

Multiple cover options for Heart Attack Insurance
- Choose from a range of cover options, from ₱100,000 up to ₱500,000.


Got a Question?
Explore our FAQ page to find all the information you need.

What are the payment options?
- You can pay online via credit or debit card, or via e-Wallets: Maya or GCash.

Do I need to go for a medical check-up to buy Oona Heart Attack Insurance?
- No, medical check-up is not required. All you need to do is answer 4 health declaration questions online.

Does insurance cover a heart attack?
- Insurance coverage for heart attack expenses largely depends on the details of your policy. Many standard health insurance plans provide coverage for immediate medical treatments and hospitalization. However, the full spectrum of costs, including rehabilitation and lost income, might not be fully covered.
- This is where the Oona Heart Attack Insurance plan comes into play. Tailored to offer a comprehensive safety net against critical illness, our plan provides a lump sum payment upon diagnosis of a heart attack.

When does my Oona Heart Attack Insurance cover start?
- Your cover starts on the coverage start date as shown on the Policy Schedule. The Heart Attack Benefit starts after a 90-day waiting period.

Can I buy Oona Heart Attack Insurance if I have a pre-existing medical condition?
- This depends on the type and severity of the medical condition you have or had. To determine your eligibility for a critical illness insurance policy, please complete the health declaration as part of the purchase process.

What causes Coronary Heart Disease?
- Sudden heart attacks, often resulting from coronary heart disease (CHD), are triggered by various underlying factors. Key factors contributing to the development of coronary heart disease and potentially leading to a sudden heart attack include, High Blood Pressure, High Cholesterol levels, Smoking, Diabetes, Obesity and Physical Inactivity.

What is the maximum protection I can buy under Oona Heart Attack Insurance?
- ₱500,000 is the maximum protection you can buy under Oona Heart Attack Insurance.

What is the difference between mild and major Heart Attack?
- The difference between a mild and a major heart attack lies in the extent of the damage to the heart muscle and the symptoms experienced. In a mild heart attack, the blockage of the coronary artery is partial or temporary, resulting in less extensive damage to the heart muscle. Despite being labeled as "mild," it is still a serious medical condition that requires prompt treatment to prevent further damage to the heart. Major heart attack involves a complete blockage of one or more coronary arteries, leading to significant damage to the heart muscle. Symptoms are more intense and sudden, including severe chest pain, sweating, nausea, and shortness of breath.

How can I buy Oona Heart Attack Insurance?
- You can buy Oona Heart Attack insurance online with no medical exams, just by answering 4 health questions.

Which food causes Heart Attack in men?
- Common foods known to increase heart attack risk include those high in saturated fats (such as red meat and full-fat dairy products), trans fats (found in many fried and processed foods), and excessive salt and sugar intake. Diets high in processed meats, low in fruits, vegetables, whole grains, and high in refined carbohydrates and sugary drinks are also linked to an increased risk of heart disease.

What are the causes of Heart Attack?
- The five major cause of heart attack in the Philippines includes, coronary artery disease, high blood pressure, smoking, diabetes, poor diet and lack of physical activity.

What are the symptoms of Heart Attack?
- The symptoms of heart attack may vary between individuals but there are several common signs to be aware of, like chest pain or discomfort, pain or discomfort in one or both the arms, the back, neck, jaw or stomach, shortness of breath, other signs may include nausea, vomiting lightheadedness, or unusual fatigue. Women more likely to experience shortness of breath, nausea/vomiting, and back or jaw pain.

What causes sudden Heart Attack?
- Sudden heart attack occur when the blood flow to certain part of the heart is abruptly blocked, leading to the death of heart muscle cells. The primary cause of this sudden this sudden blockage is usually coronary artery disease where the arteries that supply blood to the heart muscle become narrowed due to a buildup of plaque (a mix of fat, cholesterol, and other substances).