Heart Attack - Causes, Symptoms, Health Insurance Coverage

​What Is Heart Attack?

Someone have a heart attack when their heart is not getting enough oxygen due to the blockage that doesn't allow the flow of blood. Death due to cardiovascular disease is very common in India. Another name of heart attack is Myocardial Infarctions which means the death of muscle tissue due to the lack of blood supply.

Symptoms

Symptoms that might lead to having a heart attack is mentioned below:

• Pressure, discomfort, heaviness, squeezing, tightness, or pain in your left arm, chest, or below your breastbone.
• Uneven or fast heartbeat
• Discomfort in your back, arm, or throat
• Anxiety, weakness, shortness of breath, or fatigue
• Sense of fullness, the feeling of getting choked, indigestion, heartburn
• Dizziness, upset stomach, sweating, or vomiting

Symptoms differ from person to person. Women more commonly show symptoms like shortness of breath, an upset stomach, or jaw or back pain. If you are facing any of the above-mentioned symptoms, make sure you consult your doctor immediately.​

​Diagnosis

To provide with proper treatment, your doctor will ask you to go through the following mentioned tests:

• ECG/EKG/Electrocardiogram: ECG shows how much muscle of your heart is damaged, and it also shows the heart rate.
• Blood tests: When heart cells are damaged, their content including enzymes mixes into the bloodstream. These blood tests measure the levels of enzymes in your blood. This will help the doctor in finding out how severe was the heart attack.
• Echocardiography: This test is done to see how the heart is pumping, what areas are not working properly.
• Cardiac Catheterization/ Cardiac Cath: This test is required during the first few hours of the heart attack if medications are not working properly. It provides an image of a blocked artery. It also helps in the opening of blocked or narrowed arteries.

Treatment

Once you are inside the emergency room or even in the ambulance, treatment begins right away. Taking some drugs will break blood clots, widen the blood vessels, will stabilize the plaque, lower your pain, and much more. These medications are:

• Aspirin prevents blood from getting a clot.
• Antiplatelet drugs like prasugrel, clopidogrel, ticagrelor
• Thrombolytic therapy

Bypass surgery is another way of treatment. You must have heard of this surgery a million times. This surgery helps in the restoration of the blood supply to your heart.​

​Health Insurance

Cardiovascular diseases are the number one cause of death in our country. The treatment is available, but its costs are skyrocketing. Suffering from health issues is not only physically taxing but can also drain you financially. Therefore, it is advised to buy health insurance policy which will provide financial coverage that can take care of medical expenses and hospitalization bills. It takes care of pre and post hospitalization bills. If you buy health insurance, you will not only get the cashless treatment from a network hospital where the bill is directly settled by your insurance provider with the hospital but will also enjoy tax benefits under section 80D of Income Tax Act, 1961. Make sure to know your policy details and covers before purchasing a health insurance policy.​

Frequently Asked Questi​​ons

• What is the current GST rate on health insurance premiums?

  During the 56th GST Council Meeting in New Delhi, the Indian Government revealed a groundbreaking decision to exempt all health insurance policies from GST, starting September 22, 2025. The GST rate on health insurance premiums has been lowered to zero. Previously, premiums faced an 18% GST, which greatly raised the total cost.With this exemption, only the base premium is charged - making health insurance more affordable and accessible for individuals.

• How does the GST exemption impact my health insurance premium?

  With Zero GST, your premium is now reduced by up to 18% compared to before.You won't have to pay tax on health insurance policies anymore.This change is effective for new purchases and renewals starting September 22, 2025.

  Example: A policy that earlier cost ₹15,000 (including ₹2,288 GST) will now cost approximately ₹12,712 - saving you nearly ₹2,300

• Will my existing health insurance policy benefit from the GST exemption?

  Yes, renewals made on or after September 22, 2025 will benefit from Zero GST.If your policy was issued before this date, GST still applies.The exemption is tied to the policy issuance and renewal date, not just payment.Future renewals will reflect the GST-free pricing, reducing your premium cost.

• Do I need to pay GST on health insurance purchased before September 22, 2025?

  Yes, policies purchased or issued before September 22, 2025 still include 18% GST.The Zero GST exemption applies only to policies issued or renewed on or after that date.Future renewals will reflect the GST-free pricing.

• What does the new GST regulation effective 22nd September mean for Health Insurance premiums?

  Starting 22nd September 2025, the GST (Goods and Services Tax) on individual health insurance premiums has been reduced to 0%, down from the earlier rate of 18%.
  

  What this means for you:
  Lower Premiums: You'll now pay only the base premium-no GST added.

• Will my Health Infinity renewal premium reduce after the GST removal?

  Yes, Your Health Infinity renewal premium will decrease if the renewal takes place on or after September 22, 2025.

• Does the GST regulation apply to both new purchases and renewals of Health Insurance?

  Yes, the new GST regulation effective from 22nd September 2025 applies to both new purchases and renewals of individual health insurance policies.

• Does the GST change impact Health Gain, Health Infinity, Super Top-Up, and Hospi Care plans equally?

  Yes, The GST exemption starting from 22nd September 2025 is applicable to health insurance plans such as Health Gain, Health Infinity, Super Top-Up, and Hospi Care. Provided that the policy is issued and the risk begins on or after this date, there will be no 18% GST charged on premiums. This change makes these plans more budget-friendly for both new purchases and renewals.

• I renewed my health policy before 22nd September with GST - am I eligible for adjustment?

  If your health insurance policy was renewed before September 22, 2025, and you paid GST, you are not eligible for any refunds or adjustments,The GST exemption applies only to transactions made on or after the effective date. Since your payment was completed earlier, the GST charged was valid under the previous tax rules and cannot be retrospectively refunded.​

Relevant Links for Health Insurance

Health Insurance | Health Insurance Plans For Family | Health Insurance For Senior Citizens | Health Insurance Premium Calculator | Health Insurance For Parents | Critical Illness Insurance | Maternity Insurance | Personal Accident Insurance | Cashless Health Insurance | Arogya Sanjeevani Policy | Super Top Up Health Insurance | Group Mediclaim Policy | International Health Insurance | Health Insurance For Kids | Individual Health Plans | Insurance For Disabled | Reliance Health Gain Policy | Reliance Health Infinity Insurance | Saral Suraksha Bima | Hospi Care Insurance

Health Insurance for Top Locations

Health Insurance In Hyderabad | Health Insurance In Bangalore | Health Insurance In Delhi | Health Insurance In Chennai | Health Insurance In Mumbai | Health Insurance In Pune | Health Insurance In Kolkata | Health Insurance In Jaipur | Health Insurance In Rajasthan | Health Insurance In Noida | Health Insurance In Chandigarh | Health Insurance In West Bengal

Disease-Specific Health Insurance

Lasik Eye Surgery Insurance | Diabetes Insurance | Dengue Insurance | Herpes Insurance | Alzheimer Insurance | Adhd Insurance | Heart Attack Insurance | Migraine Insurance | Typhoid Insurance | Psoriasis Insurance | Appendicitis Insurance | Eczema Insurance | Epilepsy Insurance | Pancreatic Cancer Insurance | Thyroid Insurance | Skin Allergy Insurance | Gangrene Insurance | Bone Fracture Insurance | Bone Cancer Insurance | Bladder Cancer Insurance