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Best Critical Health Insurance Plan for Stroke

Updated On Feb 15, 2021

Having a proper health insurance plan is extremely vital, especially in this COVID-19 crisis. Situations may become worse when more than one family member is hospitalised. You need to have solid financial support to cope with these tough times. Without a health insurance, it becomes way more challenging, and at times, even difficult to meet your medical expenses.

To add to your worries, some critical diseases and health conditions like heart attack, cancer, kidney failure, and stroke are not covered under the basic health insurance policies. The good news is health insurance companies have recently launched the Critical Illness Insurance Policy. This plan covers some specific life-threatening diseases and offers lump-sum reimbursement amounts if you pay a slightly higher premium.

Stroke occurs in the brain when a part of it stops working or fails to receive blood supply, causing brain tissue death. It can be life-threatening in severe cases, and the patient needs critical care immediately.

As per the National Center for Biotechnology Information reports, in India, about one-fifth of the individuals suffering from stroke for the first time is estimated to be in the average age group of 40 years or less. Also, the risk of stroke attacks is greater after the age of 55 years. Moreover, people with a family history are at higher risks of getting stroke attacks, and sadly, it can happen at any age.

A critical health insurance policy having stroke coverage can take care of your hospital bills and provide support to your family members. It allows you to simply focus on your recovery while your insurer takes care of the rest. 

10 Best Critical Health Insurance Plan for Stroke

Listed below are some of the best health insurance policies for stroke available in India these days. Take a look and then select the option that suits you the best:

Name of the Insurance Company

Plan Name

Minimum And Maximum Entry Age

Sum Insured (in Rs.)

Coverage Benefits

New India Assurance

New India Mediclaim Policy 

3 months - 65 years

1 lakh - 15 lakh 

Pre-hospitalisation expenses, post-hospitalisation expenses, AYUSH treatment expenses, ambulance expenses, in-patient hospitalisation expenses, etc.  

ICICI Lombard General Insurance Company

Health Booster Policy 

3 months - no limit

5 lakh - 50 lakh

Daycare treatment, in-patient hospitalisation, AYUSH treatment, pre-hospitalisation, post-hospitalisation, reset benefit, wellness program, etc.  

Universal Sompo General Insurance Company

Complete Healthcare Insurance Policy 

Day 1 - 70 years

1 lakh - 10 lakh

Pre-hospitalisation expenses, post-hospitalisation expenses, organ donor expenses, AYUSH treatment expenses, etc.

Bajaj Allianz General Insurance Company

Health Guard Family Floater Policy 

3 months - 65 years

1.5 lakh - 50 lakh 

Ambulance expenses, pre-hospitalisation expenses, post-hospitalisation expenses, daycare procedures, convalescence benefit, etc. 

Bharti AXA General Insurance Company Limited

Smart Super Health Plan 

91 days - 65 years

5 lakh - 1 crore

Add-ons, restoration of sum insured, optional cover for maternity benefits, emergency surface ambulance expenses, etc. 

1. HDFC Ergo Health Optima Vital Plan

Formerly known as Apollo Munich, the HDFC Ergo Health Optima Vital Plan reimburses the insured with a significant amount if diagnosed with a critical illness. Other benefits include -

  • A second opinion option
  • Tax benefit
  • Portability facility
  • Sum insured enhancement, and more.

2. Max Bupa CritiCare Plan

This plan is considered one of the best in this class and offers coverage for a range of critical illnesses, including stroke. Not only does the policyholder receive a lump sum amount, but s/he also gets tax benefits and most importantly, lifelong renewability.

3. HDFC Ergo Critical Illness Policy

The Critical Illness Policy from HDFC Ergo protects your finances during cases of critical illnesses, like stroke, heart attack, etc. The plan ensures high-quality medical treatment to the insured. The best part is, those under 45 years of age won’t need to undergo a pre-insurance medical screening. You can renew the policy for a lifetime, and even receive tax benefits as per section 80D of the Income Tax Act, 1961.

4. Edelweiss CritiCare+ Plan

This policy covers 17 major critical illnesses and the insured gets a significant amount to bear his/her hospital expenses. Additional benefits include -

  • Multiple claim option
  • Waiver of premium
  • Tax benefits.

5. ManipalCigna Lifestyle Protection Critical Care Plan

The Lifestyle Protection Critical Care policy from ManipalCigna offers policyholders good coverage against various critical illnesses like cancer, kidney failure, stroke resulting in permanent symptoms, and others. The insured receives complete coverage and a significant payout if the person is diagnosed with any critical illness.

Besides, the policyholder also receives a staggered payout, in which 25% of the insured amount will be reimbursed immediately after submitting the diagnostic reports, and 75% + an additional 10% of the insured amount will be reimbursed in 60 equal monthly instalments beginning from the next month.

6. Care Critical Illness Insurance Plan

This policy from Care health insurance company provides coverage for 32 critical illnesses. It offers financial backup during medical emergencies and provides a lump sum payout. Alternatively, the payout can also be made as per a predefined payment structure, depending on the specific medical procedure.

7. Aditya Birla Activ Secure - Critical Illness Plan

This policy is designed for patients diagnosed with life-threatening conditions like stroke, cancer, heart attack, angioplasty, kidney failure, and Hysterectomy. The policy is available in 3 plans and saves the insured from breaking the bank!

8. Bajaj Allianz Critical Illness Insurance Policy

This plan from Bajaj Allianz covers 10 major critical illnesses, including stroke, first heart attack, kidney failure, and others. Other benefits offered are -

  • Policy renewal for a lifetime
  • Speedy claim resolution processes
  • Low premium costs compared to others
  • Tax benefit under section 80D of the Income Tax Act, 1961.

9. Bharti AXA SmartHealth Critical Illness Insurance Plan

This critical illness insurance policy from Bharti AXA is a comprehensive plan covering 20 major critical illnesses, such as cancer, kidney failure, stroke, coma, major burns, etc. The additional benefits offered include -

  • Home nursing
  • Hospital cash allowance
  • Ambulance charges
  • Children education benefit
  • Recovery grant
  • In-patient physiotherapy
  • Carriage of mortals remains.

10. Cholamandalam MS Critical Healthline Plan

This policy covers a range of critical illnesses, including stroke, kidney failure, surgery to aorta, heart attacks, and others. All individuals below 55 years of age won’t require to undergo a pre-insurance medical check-up, but people above 55 years would require one. It provides policyholders with -

  • Lifelong renewability option
  • Tax benefits
  • Gender-based differential rates
  • Flexibility of choosing a favourable sum insured as per your preferences and needs
  • You won’t require any proof of medical/hospitalisation expenses.

You May Also Like To Read:

Top Individual Health Insurance Plans in India

Top 10 Family Health Insurance Plans in India

Importance of Health Insurance Plans

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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