Financial Protection for Stroke: The Role of Health Insurance

How Health Insurance Eases the Path of Stroke Treatment

Stroke develops when a portion of the brain loses blood flow or stops functioning abruptly. A stroke occurs in two conditions: the blood supply is cut off, or a blood vessel bursts inside the brain, thereby killing the essential brain tissue. There are two major types of strokes, Haemorrhagic stroke and Ischemic stroke.

In extreme circumstances, it may be life-threatening, and the patient requires urgent critical care.

Treatment must be sought as soon as possible because it is a medical emergency and has been shown to be life-threatening.

The positive news is that critical illness insurance policies introduced by health insurance firms provide coverage for such critical illnesses. If you pay a little higher premium, this plan offers lump-sum payment levels and covers a few select life-threatening disorders.

Why is health insurance after stroke needed?

Health insurance for stroke victims is important after a stroke because it may help protect from the high costs of treatment and check-ups. But only some health insurance covers stroke, not all the policies.

Considerations for stroke insurance coverage

When you apply for medical insurance for stroke victims, you could consider factors such as: 

• When to apply: You must wait 6-12 months after a stroke happens before applying for life insurance to avail an accurate detail of your health. Try not to apply too soon, as it may lead to your claim being rejected. 
• What to offer: You must offer medical records like information about the stroke, treatment, and follow-up care. 
• Compare plans: Various insurance companies have different underwriting guidelines, so compare them. 
• Get help from an agent: An independent health insurance agent may help you choose the best policy. 
• Consider a graded death benefit policy: This might pay out a reduced death benefit in the first few years, which may be a choice for high-risk applicants. 
• Coverage: Look for a plan that provides comprehensive coverage for stroke-related medical expenses. 
• Network: Choose a stroke health insurance plan containing more networks of hospitals and doctors. 
• Premiums: Consider the premium costs and buy private health care for stroke patients that suits your budget. 

Treatment of Stroke

As an insured, you will need to spend thousands of rupees because the treatment duration may last long and will include fees for medication, testing, doctor’s fees and other expenses.If you don’t have a proper health insurance plan, the costs of this treatment can reach lakhs of rupees and could put a strain on your finances.

Health Insurance for Stroke

Critical medical illnesses like heart attacks and brain strokes can drain your bank account. This is the reason it’s advised to buy a health insurance plan. It relieves the policyholder’s financial load and offers comprehensive coverage.

Additionally, insurance experts advise buying the coverage online for a hassle-free experience and to avail premium benefits at affordable rates. For a broader view, you can also figure out the policy’s premium costs and evaluate various plans to get the one that best meets your needs.

If you or any one of your family members has experienced a stroke, you are indeed aware of how complicated and unpredictable the rehabilitation process may be. It might also be very pricey. Expenses for care, homes, medication, therapy, hospital bills and other expenses all pileup in the final medical bill. In this case, if the claim is admissible,  Health Insurance policy is the best option to relieve you and your family from unexpected financial troubles.

Best health insurance for stroke survivors

Many factors help determine health insurance for stroke survivors, which include:

• Stroke severity
• Number of strokes
• Age
• Current health status

Best health insurance for stroke patients

To choose the top health insurance for stroke patients, you can consider some factors. Those factors to consider for health insurance cover for stroke include:

• Stroke severity
• Number of strokes
• Age
• Current health status
• Comorbidities

Can you get health insurance after a stroke?

Yes, some health insurance plans in India cover brain strokes, but not all. Many health insurance providers provide a health policy for stroke patients.

Summing up

After purchasing a health Insurance plan, it is necessary to renew the same promptly to receive  the continuity of benefits. While renewing your insurance policy, you should be aware of terms and conditions of the policy.

Star Critical Illness multipay insurance policy provides coverage for stroke at an affordable premium. Visit the official website of Star Health, to know more about the policy.

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