Best Critical Illness Plans For Stroke
Updated On Oct 18, 2021
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Health insurance plans are of different types and are meant to provide financial aid to the policyholders for their treatment of certain diseases. Critical illness health insurance plans are one of the major types of health insurance plans that compensate for the chronic diseases like diabetes, stroke, cancer, etc. Critical illness plans have been specifically rolled out to help the policyholders overcome the high costs of treatment of critical illnesses. It is an indemnity based plan which offers lump sum payment of the claim amount to the policyholders using which they can either pay their medical bills or compensate the loss of their income incurred due to the treatment. Critical illness plans not only cover the cost of hospitalization but also look after the expenses like room rents, medication, ambulance charges, etc.
Stroke is one of the life-threatening diseases that needs immediate medical attention. In case of a stroke, there is loss of blood flow to a part of the brain which affects its functioning as the brain does not receive the nutrients and oxygen that is required. It leads them with numbness in different body parts, loss of vision, problems in speaking or maintaining balance. From the beginning of the symptoms of the stroke to the actual stroke there is a period of 3 to 4 hours during which the blood flow can be re-established to save the life of the individual. The whole medical procedure during the stroke requires a high amount of money which can potentially burn a hole in the individual's pocket.
About Stroke
- Stroke is a chronic medical condition where a part of the brain loses its blood supply and eventually stops working due to the loss of nutrients and oxygen. Some prominent types of strokes are Ischemic stroke and Hemorrhagic stroke. Both the types of stroke are equally life-threatening and lead to serious medical conditions or even death in certain cases. Key symptoms of strokes that are prominent in most of the people are:
- Sudden unconsciousness
- Loss of motion
- Numbness in the body
- Problem in speaking
- Problem in maintaining balance
Best Critical Illness Plans For Stroke
Due to the rise in inflation, the costs of medical treatments have increased thus leading to the exhaustion of the financial savings of the people. To help people compensate for the high costs of treatments like that for stroke, the health insurance providers have rolled out critical illness plans which cover a list of chronic diseases including stroke. Let us look at some of the prominently bought critical illness health insurance plans which cover stroke:
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1. HDFC Ergo Health Optima Vital Plan
This critical illness health insurance plan provides sufficient coverage for critical diseases like stroke to the policyholders. It also offers other features like second opinion, tax saving benefits, claim amount, etc.
2. Max Bupa Criticare Plan
This critical illness plan by Max Bupa health insurance company covers stroke related expenses at an affordable price and offers comprehensive coverage with lifelong renewability services, tax benefits, etc.
3. HDFC Ergo Critical Illness Policy
This is another critical illness plan by HDFC Ergo health insurance that provides compensation for critical diseases like heart attack, stroke, etc. This plan does not require a pre-medical test from people below the age of 45 years and it also provides tax saving benefits to people who are also tax payers.
4. Care Critical Illness Insurance Plan
This critical illness plan by a care health insurance company covers around 32 critical illnesses. Under this the policyholders have the flexibility to make the payout as a predefined payment structure depending on the medical procedure.
Conclusion
Apart from the above mentioned critical illness health insurance policies, there are several other plans that provide extensive coverage for stroke. Policyholders must explore their options and then make a choice after carefully analyzing their requirements. Also, to understand the inclusions of a plan, you must thoroughly read the fine print of your purchased plan.
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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.
