A person may have a stroke due to a blocked artery in the brain or when a blood vessel leaks or bursts. It’s a medical emergency, which can be fatal, and requires prompt attention. Stroke risk increases as you get into your 50s but can afflict one at any stage. Its treatment involves removing a blood clot from the brain or fixing arteries. The number of tests, a possible disability on either side of the body, intensive care, and long recovery period make the condition challenging, and managing finances can add to the distress. But a critical health insurance plan with stroke coverage can cover your hospital expenses, sustain your family and ease the burden.
You can look at the following 10 policies that support patients with stroke:
1. HDFC Ergo Health Optima Vital Plan
The HDFC Ergo Health Optima Vital Plan, formerly Apollo Munich, reimburses the insured with a sizable sum upon diagnosis of critical disease, including a stroke. Other advantages include the option for a second opinion, tax advantage, facility for portability, and a sum insured boost..
2. Max Bupa CritiCare Plan
Considered one of the best plans, this provides coverage for numerous critical conditions, including stroke. The policyholder gets a lump sum payment in addition to tax advantages and lifelong renewability.
3. HDFC Ergo Critical Illness Policy
This policy guarantees that the policyholder will get benefits such as no screening for anyone under 45, lifetime renewal, provision for lump-sum payments, and a waiting time of no more than 30 days.
4. Edelweiss CritiCare Plus Plan
This policy covers 17 major critical illnesses, and the insured receives a sizeable payment to cover hospital costs. Added advantages include options for multiple claims, premium waiver, and tax advantages, among others.
5. ManipalCigna’s Lifestyle Protection Critical Care Policy
The policyholders get good protection against various critical illnesses, like a stroke with long-lasting symptoms. The plan provides full coverage and a sizeable reimbursement if the insured has a severe ailment. The policyholder additionally gets a staggered payout, where 25% of the insured sum is paid back right away after submitting the diagnostic results, and 75% plus an additional 10% is paid back for 60 equal monthly installments starting from the following month.
6. Care Critical Illness Insurance Plan
Care Health Insurance’s critical illness policy covers 32 serious illnesses. It offers a lump sum payout and serves as a financial safety net during medical emergencies. Alternatively, depending on the precise medical procedure, the policyholder can make a payment as per a predetermined payment plan.
7. Aditya Birla Activ Secure — Critical Illness Plan
This policy is suitable for patients with life-threatening diagnoses such as a stroke, cancer, heart attack, angioplasty, kidney failure, or hysterectomy. The coverage, which comes in three different options, keeps the insured from draining their financial resources.
8. Bajaj Allianz Critical Illness Insurance Policy
The 10 primary critical illnesses covered by the Bajaj Allianz plan include kidney failure, first heart attack, stroke, and more. Other advantages include lifetime renewal of the policy, processes for quickly resolving claims, affordable premiums compared to others.
9. Bharti AXA SmartHealth Critical Illness Insurance Plan
This comprehensive critical illness insurance plan from Bharti AXA covers 20 of the most serious critical illnesses, including cancer, kidney failure, stroke, coma, severe burns, etc. Other advantages include coverage for nursing at home, hospital cash reimbursement, hospital fees, education benefits for children, grant for recovery, physiotherapy when a patient requires it, and mortal remains allowance.
10. Cholamandalam MS Critical Healthline Plan
The serious illnesses covered under this policy include heart attack, kidney failure, aortic surgery, stroke, and more. All people under 55 wouldn't need a pre-insurance medical examination, while those above 55 will. This gives policyholders access to options for lifelong renewability, tax advantages, and positive discrimination for women through rates that differ by gender. It also offers flexibility in selecting a favourable sum insured that meets your needs.
Critical illness policies are benefit-based plans. Your current or employee health insurance may cover some of your medical costs. Still, critical illness insurance will provide you with a lump sum payment in a single transaction upon being diagnosed with a critical illness or recommendation from a doctor. A lump amount benefit in one transaction up to your chosen cover helps you prevail in tough times. Treating a critical illness such as stroke may deplete your savings, prevent you from working and earning, and impact your regular lifestyle, but the right policy will give you the support you need.