Health Insurance for Stroke Patients

What is Stroke?

Stroke, also known as brain stroke, occurs when a part of the human brain does not receive enough blood supply and stops working. It happens when the blood vessels carrying oxygen are ruptured/damaged or the blood supply to the brain is blocked due to blood clots. A brain stroke is a life-threatening emergency and requires immediate medical treatment.

Strokes are categorized as Ischemic stroke and Haemorrhagic stroke. While a blocked artery causes ischemic stroke, a haemorrhagic stroke is caused due to the leaking or bursting of blood vessels in the brain. Although ischemic strokes are more common, haemorrhagic strokes can lead to death.

Symptoms of Brain Stroke

Some of the primary symptoms of a brain stroke are as follows:

Difficulty in speaking or loss of speaking ability
Total/partial Paralysis
Visibility problems
Droopy face or loss of muscle on one side of the face
Seizures
Confusion or agitation
Slurred or garbled speaking
Sudden partial or total loss of one or more senses
Nausea and vomiting
Loss of coordination or clumsiness
Dizziness or fainting
Neck stiffness
Sudden and severe headaches
Coma
Memory loss

Who Should Buy Stroke Health Insurance?

Anyone at any age can get a brain stroke. However, a stroke insurance policy must be purchased by people with:

High blood pressure/ hypertension
High cholesterol
Diabetes
History of heart attack or irregular heart rhythms
Family history of stroke
Smoking habits
Lack of physical activity
Poor diet

Benefits of Buying Health Insurance for Stroke Patients

Here are some of the key reasons to buy health insurance for stroke patients:

High Prevalence of Stroke in India

Strokes are extremely common in India. According to a Global Burden of Diseases (GBD) report, India has the highest incidence of stroke cases in the world, out of which 31% are reported among children below 20 years. Moreover, it is the fourth most common cause of death in the country. Given the scenario, buying a health insurance policy for stroke patients becomes prudent to stay financially prepared for any stroke-related medical expenses in future.
Comprehensive Coverage for Stroke

Stroke is a critical illness that requires timely medical intervention treatment. The expenditure of the treatment, hospital charges doctor’s fees, etc. can easily clear out all your savings. Besides, strokes may lead to adverse symptoms, requiring regular medical attention and adding to your medical bills. Purchasing a critical illness insurance policy can make your battle with the disease easier as you will not have to spend out of your pocket but will receive a lump sum benefit from your insurer.

List of Health Insurance Plans for Stroke Patients in India

Take a look at the list of health insurance plans for stroke patients in India:

Stroke Insurance Plans	Entry Age	Sum Insured (₹)	Waiting Period	Survival Period
Aditya Birla Activ Secure - Critical Illness Plan	Min - 5 years (18 years under Plan 3) Max - 65 years	1 lakh to 1 crore	90 days, 180 days	15 days
Bajaj Allianz Criti Care Plan	Min - 90 days Max -65 years	1 lakh to 50 lakh	120 days, 180 days	7 days,15 days
Care Assure Plan	Min - 18 years Max - 65 years	1 lakh to 3 crore	90 days	-
Chola MS Critical Healthline Insurance Plan	Min - 5 years Max - 65 years	1 lakh to 10 lakh	90 days	30 days
Digit Total Protect Plan	Min - 91 days Max - 85 years	5,000 to 3.5 crore	30 days, 60 days, 90 days	30 days
Future Generali Criticare Policy	Min - 6 years Max - 65 years	1 lakh to 50 lakh	90 days	28 days
HDFC ERGO Critical Illness Insurance Plan	Min - 5 years Max - 65 years	1 lakh to 50 lakh	90 days	15 days, 30 days
ICICI Lombard Criti Shield Plus Plan	Min - 91 days Max - 65 years	1 lakh to 1 crore	90 days	No survival period
IFFCO Tokio Critical Illness Benefit Policy	Min - 3 years Max - 65 years	1 lakh to 1 crore	30 days	28 days
Liberty Critical Connect Plan	Min - 5 years Max - 65 years	1 lakh to 1 crore	90 days	30 days
Magma HDI OneHealth Insurance Plan	Min - 91 days Max - No age limit	2 lakh to 3 crore	90 days	30 days
ManipalCigna Lifestyle Protection - Critical Care Plan	Min - 18 years Max - 65 years	1 lakh to 25 crore	90 days	30 days
National Critical Illness Policy	Min - 5 years Max - 65 years	1 lakh to 75 lakh	90 days	30 days
New India Assurance Criti Protect Policy	Min - 18 years Max - 65 years	5 lakh to 50 lakh	90 days	No survival period
Niva Bupa Health Assurance Plan	Min - 18 years Max - 65 years	3 lakh to 3 crore	90 days	30 days
Oriental Critical Illness Plan	Min - 18 years Max - 65 years	2 lakh to 50 lakh	90 days	30 days
Reliance HealthWise Plan	Min - 91 days Max - 65 years	1 lakh to 5 lakh	30 days	-
Royal Sundaram Critical Illness Lumpsum Plan	Min - 91 days Max - 65 years	25,000 to 25 lakh	90 days	30 days
SBI Critical Illness Insurance Policy	Min - 18 years Max - 65 years	2 lakh to 50 lakh	90 days	28 days
Star Critical Illness Multipay Insurance Plan	Min - 18 years Max - 65 years	5 lakh to 25 lakh	90 days	15 days
Tata AIG Criti MediCare Plan	Min - 18 years Max - 65 years	5 lakh to 2 crore	90 days	7 days, 15 days
United India UNI CritiCare Plan	Min - 21 years Max - 65 years	1 lakh to 10 lakh	90 days	30 days
Universal Sompo Critical Illness Insurance Plan	Min - 5 years Max - 65 years	2.5 lakh to 20 lakh	90 days	30 days
Zuno HealthPlus Plan	91 days onwards	1 lakh to 5 crore	90 days	-
Zurich Kotak (formerly known as Kotak Mahindra) Secure Shield Plan	Min - 18 years Max - 65 years	10,000 to 20 crore	90 days	-

See More Plans

*Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in.

Inclusions of Health Insurance for Stroke Patients

Health insurance for stroke patients includes the following coverage:

Lump sum benefit on diagnosis of stroke resulting in permanent symptoms
ICU benefit
Second e-opinion
Ambulance charges
Daily hospital allowance
Nursing allowance
Compassionate visit
Wellness programs
Child education benefit
Health check-up benefit

Exclusions of Health Insurance for Stroke Patients

A stroke insurance policy excludes the following:

Traumatic brain injury
Transient ischemic attacks (TIA)
Vascular diseases affecting only optic nerve, eye or vestibular functions
Any keyhole or laser surgery
Non-allopathic treatments
Unproven treatments
Self-inflicted injuries
Injuries due to participation in adventure sports

Tips to Prevent a Stroke

Take a look at a few significant tips to prevent a brain stroke:

Eat healthy food with plenty of fresh fruits and vegetables
Maintain a healthy weight by indulging in moderate-intensity physical activity
Quit smoking cigarettes
Reduce alcohol consumption
Lower the intake of salt and food with saturated fats, trans fats and cholesterol
Get a health check-up done regularly to keep your medical conditions like diabetes, BP and cholesterol in check

FAQs

Q1. Can I claim insurance for a stroke?

Ans: Yes. You can claim your mediclaim insurance policy after the first diagnosis of a stroke.
Q2. Can you get health insurance after a stroke?

Ans: Buying health insurance for stroke survivors is difficult. However, you must get in touch with the insurance company to know if they allow you to buy health insurance after a stroke.
Q3. Will my health insurance premium go up after a stroke?

Ans: If you have had a stroke, your health insurance premiums may become expensive as you have a bigger health risk than before.

Health insurance companies

View more insurers

Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. 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 Insurance Regulatory and Development Authority of India website www.irdai.gov.in