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Experts Suggest These 10 Health Insurance Policies for Stroke Patients

By Vikas Chandra Das
03 October 2022, 12:00 PM

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. 

Read more - Top #5 Smart Things to Know About Optimizing Your Health Insurance Benefits


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.

Read more - 5 Main Reasons Why a Health Insurance Policy is Important


1. What are the precautions for a normal life after a stroke?

Following recovery, doctors typically need to check on stroke survivors. This is because strokes may result from underlying diseases, such as blood pressure or clotting problems, which require treatment. Approximately 75% of people who survive a stroke never experience another attack.

2. Can I be denied health insurance with a history of stroke?

According to experts, stroke victims with health insurance are more likely to receive the care they require, recover more quickly, and enjoy better health. There are ways to obtain insurance if you don’t already have it. Nobody may be refused service due to having had a stroke.

3. I was left handicapped for six months after a stroke. Can I claim my physiotherapy expenses?

Yes. If a stroke victim notices changes in physical function, he may be eligible for additional insurance coverage for rehabilitation therapy during the healing process. If so, see if the modification results in other insurance benefits. Even years after using a wheelchair, a stroke survivor who starts walking again may be entitled to additional rehabilitation.

4. How can I know if my insurer provides coverage for specific strokes or not?

Contact your insurer to find out which specific stroke rehabilitation services the insurance policy will cover. Figure out the cost and duration of the insurance coverage for particular rehabilitation services, such as outpatient therapy or in-patient rehabilitation from the hospital, and cross-verify them with your insurer.

5. Is cashless health insurance claim settlement beneficial for a stroke patient?

Getting immediate care has grown more straightforward due to the cashless treatment benefits that all insurance carriers provide. You need not make financial arrangements before receiving care at the network hospitals of the insurer. This is advantageous for stroke victims because the first 60 minutes following a stroke are critical for obtaining proper care; otherwise, further medical difficulties result.

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