Heart Attack Insurance · South Florida
A lump-sum check the moment a cardiac event is diagnosed.
Cash paid directly to you on diagnosis of a heart attack — for the deductible, the mortgage, the time off work, and everything major medical doesn't touch.
Why it matters
Your health plan pays the hospital. This pays you.
Cardiac events remain the leading cause of hospitalization for Florida adults over 45, and even a well-insured household commonly absorbs $8,000–$20,000 in deductibles, coinsurance, cardiac rehab and lost income in the year following one.
A heart attack policy pays a lump sum — typically $10,000 to $100,000 — as soon as diagnosis is documented. There are no restrictions on how it's spent, and it pays in addition to any other coverage you carry, including employer plans and Medicare.
What's included
How the coverage works.
Lump-Sum at Diagnosis
One documented claim, one check — usually within days to a few weeks.
Spend It Anywhere
Mortgage, deductible, groceries, travel to a specialist, or a spouse's unpaid leave.
Pays On Top of Everything
Benefits are in addition to major medical, Medicare and employer coverage.
Stroke Coverage Bundled
Most heart-attack plans include stroke as a covered condition.
Family History Pricing
Underwriting looks at your health, not your parents' — often a pleasant surprise.
$20–$60 a Month
Typical premium range for meaningful benefit amounts in South Florida.
Free Quote
Free quote, no obligation — usually back the same business day.
Daniel personally reviews every request from Broward and Palm Beach County. 18 years of tenure, 30+ A-rated carriers.
Frequently asked
Heart Attack Insurance questions we hear every week.
What counts as a covered heart attack?+
Policies define it clinically — typically documented myocardial infarction with elevated cardiac enzymes and EKG changes. We walk through the exact definition before you sign anything.
Is angioplasty or a stent covered?+
Many plans pay a partial benefit (often 10–25%) for angioplasty, stents or bypass surgery without a full infarction. Coverage varies by carrier — it's one of the things we compare.
Can I buy this if I've already had a cardiac event?+
Sometimes, depending on how long ago and current status. Some carriers offer coverage for subsequent, unrelated conditions. It's worth a short conversation.
Does it pay if I'm on Medicare?+
Yes. Supplemental cash benefits pay independently of Medicare and are a common way to handle Part A deductibles and recovery costs.
Is there a waiting period?+
Most policies have a 30-day waiting period from the effective date, and a pre-existing condition limitation of 6–12 months depending on the carrier.
Also from PB & J Insurance
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Serving Fort Lauderdale, Pompano Beach, Boca Raton, Delray Beach, Boynton Beach and West Palm Beach.