Stroke Health Insurance

Once anyone suffers from a stroke, it is important for them to get regular check-ups done despite getting it treated as there are considerable chances of suffering from it again. The treatment and the check-ups for a stroke might involve a huge cost. Therefore, apart from maintaining a healthy lifestyle, it is important to buy stroke insurance. It covers the treatment cost and various other benefits, thus keeping your finances safe if anything unfortunate happens. You can opt for health insurance if you have had a stroke earlier with some documentations needed before getting the policy.

• Memory loss or disorientation, or confusion
• Severe Headache
• Dizziness
• Nausea/Vomiting
• Loss of vision
• Loss of balance or ability to walk

If you experience any of these symptoms, it is essential to get yourself checked by a specialist medical practitioner.

Find below a few common reasons for having a stroke:

1. Lack of balanced diet
2. Smoking habits
3. Lack of physical activity
4. Diabetes
5. High Cholesterol
6. High blood pressure/Hypertension
7. Family history of stroke

It covers any cerebrovascular incidence that produces permanent neurological sequelae. It is usually inclusive of haemorrhage and embolization from an extracranial source, brain tissue's infarction and thrombosis in an intracranial vessel. The diagnosis needs to be confirmed by a specialist medical practitioner, supported by typical findings in MRI or CT Scan of the brain. Also, it should be evidenced by clinical symptoms. It is necessary to produce a neurological deficit lasting for at least 3 months.

You can avail the benefit of a second opinion, i.e. if you are unsatisfied with the diagnosis of the medical practitioner, you can visit another doctor for the same. All the charges will be covered under the stroke insurance policy. It includes the cost of transmission of medical records, including images via computerized software.

The consumable benefits like in-patient hospitalization, daycare procedures, pre and post hospitalization expenses, Domiciliary hospitalisation etc., are generally covered under stroke policy and critical illness policy.

A few conditions are excluded. Find them below:

1. Transient ischemic attacks (TIA)
2. Traumatic injury of the brain
3. If any vascular disease affects only your eyes, optic nerve or vestibular functions.

If you have already had a stroke and have not bought stroke insurance until now, you can purchase health insurance for stroke victims as there are chances of having it again. Under this insurance, where you disclose the medical history of having a stroke at the time of application, the benefits and coverage are provided accordingly. You just need to provide us with your basic information, including all the essential documents. Find below a few things you need to help us with:

1. The date when you were diagnosed with stroke
2. Present status of your health
3. The age when you were diagnosed with stroke
4. The measures you have taken to improve your condition
5. Degree of the effectiveness of the undertaken treatment
6. Smoking habits, usage of tobacco and alcohol
7. Medical conditions apart from stroke
8. The lab results and other associated documents

It is essential to apply for stroke life insurance at the appropriate time. If you apply too soon, i.e. right after having a stroke, your claim might get rejected. Ideally, you should wait for 6-12 months after the first stroke to get a more precise status of your health. Unfortunately, there are around 40% chances that the stroke might reoccur within 5 years. Therefore, it is important to take good care of your health and buy life insurance for stroke victims.

To avail of uninterrupted benefits, it is essential to renew your stroke insurance policy on time. There are a few general terms of renewal that you should keep in mind while renewing your insurance policy.

The Age Bracket

The minimum age for signing up for the insurance policy is 18 years, and the maximum is 65 years. However, you can renew your insurance policy for life unless you or your representative behaves in any improper or dishonest manner or misrepresents any information. If any of these things happen, it might lead to the rejection of your claim or the cancellation of your policy.

Grace Period

After the expiration of the policy, you get a grace period of 30 days. If you fail to renew the same even in the grace period, you might not be eligible for the cumulative bonus. To be covered under the stroke policy throughout your life, getting your insurance policy renewed on time is important.

Waiting Period

The waiting period is 90 days from the policy's issue date, i.e., you cannot claim the compensation for the first 90 days. However, this is not valid for renewed policies.

Survival Period

The insured or the policyholder should have survived for at least 30 days from the date of diagnosis of the disease. Otherwise, your claim might get rejected.

Renewal Premium

Any modification or customization in the plan will be done with Insurance Regulatory and Development Authority's approval. You will be informed about the changes 3 months in advance. You can even move to a higher sum insured bracket while renewing the policy. You need to submit the request for the enhancement of the sum insured in writing.

Free Look Period

You have a time period of 15 days after buying the insurance policy. During this time, you can go through all the specifications of the insurance policy. If you have any objection with the same, you can cancel the policy stating the reason for cancellation. The premium amount will be refunded after adjusting the stamp duty charges and proportionate risk premium. You will be eligible for this refund if you have not applied for any claim.

We at TATA AIG have completed 20 years of unparalleled insurance services in 2020. We are functioning with around 200 branches across India and have a satisfied client base across the country. We understand that every individual has different specifications, medical history and financial capacity. While keeping this in mind and the risk factors, our distributors and customer care executives help every client buy an appropriate insurance policy that will align with their budget.

Under health insurance, we have several types of plans, ranging from a basic health insurance plan to plans covering critical illnesses. We have life insurance for stroke victims to help them be worry-free about the finances for the rest of their lives. With the rising medical cost and increasing uncertainties, it is essential to keep yourself financially secure. Besides, you can be stress-free about the fund requirement if anything unfortunate happens to you. You can reach out to us via call/email/SMS in case of any queries.