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Critical Illness Insurance For Stroke


Stroke occurs when a part of the brain loses its blood supply or stops working. It occurs when either the blood supply is blocked or a blood vessel is ruptured within the brain, causing death of brain tissue. It is a medical emergency and has proven to be life threatening, hence treatment must be sought as quickly as possible. In India, nearly one-fifth of patients with first-ever stroke admitted to hospitals have been estimated to be aged 40 years or less (As per, National Center for Biotechnology Information). Risk of Stroke is higher after the age of 55; however it can occur at any stage of life. Most importantly, people with family history are at higher risk of stroke.

Effects of Stroke

On carrying out several tests, the doctor may suggest removal of blood clot in the brain or fix blood vessels. It can affect a patient drastically. A person may either suffer from disability on either side of the body, depending upon the location affected in the brain. Recovery time for stroke can go up to a year or more, depending upon the therapy and treatment offered by doctors and caretakers. Struggling with a brain disease is not easy. And, you will want your family to stand together for you at such a time instead of being caught up in managing funds. Hence, it is advisable to opt for Critical Illness Health Insurance plan that covers medical expenses for treating stroke and related health issues.

Health insurance is an easy way to combat the financial catastrophes arising from health issues, making it a necessity. HDFC ERGO offers a great bouquet of products online that can help meet the health insurance requirements of persons from all walks of life.

Symptoms of stroke could be

  1. Severe headache
  2. Temporary or permanent paralysis should be included in symptoms
  3. Projective vomiting
  4. Weakness
  5. Confusion
  6. Loss of vision
  7. Difficulty talking or swallowing and many such symptoms  *Rigid symptoms may lead to coma

There are two major types of stroke

  1. Haemorrhagic stroke
  2. Ischemic stroke

Ischemic stroke: Eighty percent of all strokes are ischemic. It can be caused by narrowing of the large arteries to the brain. When blood cannot get to the brain cells; they die within minutes to a few hours. Doctors call this area of dead cells an "infarct”.

Hemorrhagic strokes involve bleeding: Blood vessels in the brain break because they have been weakened by damage due to high blood pressure, diabetes, and aging.

Why is it important to opt for HDFC ERGO Critical illness Insurance Policy, even if you hold an indemnity health insurance plan?

Critical illness policy is a benefit-plan unlike the conventional indemnity health insurance plans. A lump sum amount (Sum Insured) is paid just upon diagnosis of any of the listed Critical Illness covered in the Policy. In case, your treating doctor recommends a certain line of treatment, critical illness plan by HDFC ERGO will give you a lump sum benefit in one transaction that may be used to pay for the treatment, care, and recovery. The money may also be useful for paying off debts, substituting lost income, or even in adapting to lifestyle changes in some cases. Treating a critical illness may drain away your savings, restrict you from working and earning and affect your routine lifestyle, hence a lump sum benefit in one single transaction up to your opted cover is best for during tough times. Your existing health cover or employee health insurance may cover your medical expenses up to a certain extent, however critical illness cover will offer you a lump sum benefit in one single transaction on first diagnosis or advice issued by a medical practitioner.

Why Choose HDFC ERGO’s Critical Illness Plan for Stroke?

You may concentrate on your health, while HDFC ERGO Critical Illness cover takes care of the funds. Apart from this, the insurer will also offer monetary support to your family, in case you are busy getting a treatment and there is a loss of income. The lump sum amount is paid in one single transaction on the first diagnosis after a survival period of 30 days. This lump sum amount can be utilized for care and treatment, recuperation aids, paying off debts or fund any lost income due to a decreasing ability to earn. Additionally, by opting for critical illness health covers you can also enjoy tax benefits under section 80D.

What does Critical illness insurance not cover?

Adventure Sport injuries
Adventure sport injuries

Adventure sports can give you an adrenaline rush,but when coupled with accidents, they can be hazardous. Our policy does not cover accidents encountered while participating in adventure sports.

Self-inflicted injuries
Self-inflicted injuries

You might think of causing injury to your precious self,but we don’t want you to hurt yourself. Our policy does not cover self-imposed injuries.

War
War

War can be disastrous and unfortunate. However,our policy does not cover any claim that are caused due to wars.

Participation in defense operations
Participation in defense operations

Our policy does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.

Venereal or Sexually transmitted diseases
Venereal or sexually transmitted diseases

We do understand the criticality of your disease. However,our policy does not cover venereal or sexually transmitted diseases.

Treatment of Obesity or Cosmetic Surgery
Treatment of obesity or cosmetic surgery

Treatment of obesity or cosmetic surgery is not eligible for coverage under your insurance policy.

For detailed inclusion and exclusion please refer the sales brochure/policy wordings

Waiting Periods

Survival Period
Survival Period

The patient should survive for at least 30 days even if he diagnosed with a critical illness listed in the insurance cover.

First 90 Days From Policy Inception
First 90 Days From Policy Inception

We will entertain all claims post waiting period of 90 Days.

 

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All the support you need-24x7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.
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Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process.
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Integrated Wellness App.
Why HDFC ERGO?

Wellness App.

We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.
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All the support you need-24 x 7
Transparency In Every Step!
Integrated Wellness App.
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Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods.
Why HDFC ERGO?
Secured Over 1.6 Crore+ Smiles!

Secured Over 1.6 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
All the support you need-24 x 7

All the support you need-24 x 7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.
Transparency In Every Step!

Transparency In Every Step!

Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process.
Integrated Wellness App.

Integrated Wellness App.

We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.
Go Paperless!

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods. Your policy straight-away sits in your inbox.

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Frequently asked questions

Stroke can strike anytime and needs immediate medical attention. The cost of treatment is extremely high which can put a dent in your pocket. Critical illness insurance for stroke is a fixed benefit health insurance plan that is designed to provide the lump sum benefit on the first diagnosis of stroke. The payout is not based on the actual medical expenses incurred but is based on the diagnosis of the life-threatening illness. The amount paid is the total sum insured of the policy. The critical illness insurance policy for stroke gets terminated after making the full payment of the covered claim i.e., after the payout of lump-sum benefit on diagnosis of the stroke.
Critical Illness Insurance provides you and your family, the additional financial security on diagnosis of a critical illness. The policy provides a lump sum amount which could be used for: Costs of the care and treatment, recuperation aids, debts pay-off, any lost income due to a decreasing ability to earn and for a change in lifestyle.
Under a benefit policy on happening of an insured event, the insurance company pays the policyholder a lump sum amount.
No pre-policy medical check up is required for individuals upto 45 years.
In case of a claim under the Policy, you should immediately intimate us on our helpline numbers. On receipt of the intimation, we would register the claim and assign a unique claim reference number which would be communicated to the Insured which may be used for all future correspondence.

Disclaimer: The assessment of the case depends on the complete terms and conditions of the policy. Please refer to the complete policy terms for further clarity.

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