Save tax up to ₹75,000~ u/s 80D
Help
Save tax up to ₹75,000~ u/s 80D
Health insurance for stroke patients provides crucial financial support during emergencies, including hospitalisation and ICU care. Stroke symptoms such as weakness, speech difficulties, facial droop, or vision loss require urgent and costly care. With Health Insurance for stroke patients, timely treatment is ensured without financial stress when seconds matter.
Reasons to Choose Care Health Insurance?
OPD Expenses
.svg)
No Claim Bonus
.svg)
Global Coverage
.svg)
Air ambulance
Health insurance for stroke patients offers financial protection against the high expenses of stroke treatment and recovery. It includes coverage for emergency hospitalisation, ICU care, diagnostics, and other medical requirements, ensuring ongoing care from diagnosis through recovery.
A stroke occurs when blood flow to the brain is blocked or a blood vessel ruptures, depriving brain cells of oxygen and causing irreversible damage within minutes. In India, stroke ranks as the fourth leading cause of death, with over 108–172 cases per 1,00,000 people annually. The one-month fatality rate can reach up to 42%, highlighting the urgent need for immediate treatment.
These serious warning signs signal an impending major stroke, making timely treatment and immediate medical attention essential to prevent permanent brain damage or a life-threatening event.
The cost of stroke treatment in India varies significantly based on the stroke type, severity, necessary treatment, and hospital choice. Expenses can range from ₹1.5–1.8 lakh for basic hospitalisation to ₹4–5 lakh or more for advanced treatment in private hospitals, particularly when intensive care or surgery is required.
These costs reflect average costs across various zones and hospital types in India, but may vary by location, facility, and stroke severity.
Note: Stroke treatment costs differ by hospital type. Private hospitals are more expensive, often charging ₹3.6–5 lakh, due to advanced infrastructure and specialist care. Public hospitals are cheaper, costing ₹19,428 to ₹84,000 over six months, but patients may incur additional costs for medicines and follow-up care.
Health insurance for stroke patients is essential to manage the high costs of emergency, acute, and long-term care, protecting against financial ruin. Our specialised plans, such as Care Freedom, provide coverage for pre-existing conditions and may also include ongoing medical support, medication, and home care after treatment. Here is why health insurance is crucial for stroke patients:
Choosing a cost-effective Health Insurance for Stroke Patients simplifies healthcare management protection compared to multiple individual policies. At Care Health Insurance, we meet the diverse healthcare needs of every household with some of our best family health insurance plans in India. Here are some of our top-selling the best medical insurance for family:
Health Insurance for listed pre-existing diseases
India's First Money Back Health Insurance Plan
Ideal for families looking for capless coverage
The following groups are more vulnerable to stroke due to medical, lifestyle, age-related, or financial risk factors, making health insurance coverage especially important for them.
Those in High-Stress Jobs: High-pressure work environments are associated with a higher risk of serious lifestyle-related health issues.
Health insurance plans for stroke patients cover emergency treatment, hospitalisation, and provide ongoing medical and financial support. Below are key details and coverage options.
| Sum Insured on Annual Basis (in ₹) | 3 Lacs / 5 Lacs | 7 Lacs / 10 Lacs |
|---|---|---|
| In-patient Care | Upto Sum Insured | |
| Day Care Treatment (for selected ailments) | Upto Sum Insured | |
| Recharge of Sum Insured | 100% of Original SI upon exhaustion of SI | |
| Annual Health Check-up | All Adult Insured Members | |
| Ayush Treatment | Upto Sum Insured | |
| Consumable Allowance (Max. 7 days per hospitalisation covered after 3 days) | ₹750 per day, Max 7 Days after 3 days of first hospitalisation. | ₹1000 per day, Max 7 Days after 3 days of first hospitalisation. |
| Companion Benefit (if hospitalisation exceeds 10 days) | ₹10,000 if hospitalisation exceeds 10 days | ₹15000 if hospitalisation exceeds 10 days |
| Pre-hospitalisation and post-hospitalisation expenses | Up to 7.5% of payable hospitalisation expenses. | Up to 10% of payable hospitalisation expenses |
| Ambulance Cover | Up to ₹1000 per Hospitalisation | |
| Domiciliary Hospitalisation | Up to 10% of SI is covered after 3 days | |
| Tenure | 1 year/2 years/ 3 years | |
Note: The plan mentioned above is part of Care Freedom. For full details and conditions, please see the PDF of Terms and Conditions.
To make well-informed decisions, understanding what is included and what is excluded is essential.
Coverage
Exclusions
The following exclusions outline situations and medical expenses that are not covered under the policy, as defined in the terms and conditions.
Note: Some coverage benefits might differ between policies. Make sure to carefully review your specific plan details before buying.
Health insurance for stroke patients is available to individuals who meet specific age, health, and policy criteria. Here are the main eligibility requirements to help identify who can apply for coverage.
| Feature | Details |
|---|---|
| Minimum Entry Age | Individual Plan: 5 Years for SI 3 or 5 Lacs 46 Years for SI for 3/5/7/10 Lacs Family Floater Plan: 91 days with at least 1 insured member above 18 years of age for SI 3 or 5 Lacs 91 days with at least 1 insured member above 46 years for SI 3/5/7/10 Lacs |
| Maximum Entry Age | Adult: No Age Limit | Child: 24 Years |
| Renewal | Lifelong |
| Pricing | Zone 1: Delhi NCR, Surat, Mathura, Aligarh Zone 2: Telangana, Mumbai (MMR), Ahmedabad, Vadodara, and Nashik Zone 3: Pune, Indore, Bengaluru Urban, Rest of Gujarat Zone 4: Rest of India |
| Co-payment | 20% for all customers enrolling in the policy 30% for all customers enrolling in the policy after attaining Age > 71 years |
| Initial Wait Period | 30 Days for all illnesses except accidental injury |
| Named Ailment Wait Period | 24 months |
| Pre-existing Disease Wait Period | 24 months |
Note: The eligibility criteria mentioned above apply to Care Freedom. Eligibility conditions may vary by policy based on specific plan terms and requirements. Please review the policy wording carefully before making a decision.
When choosing health insurance for stroke patients, prioritise coverage details, waiting periods, and financial safeguards over just the premium to prevent unforeseen costs during treatment. Consider these key aspects:
Below are six common myths regarding stroke-related health insurance coverage, presented clearly and in a customer-friendly manner.
Myth: Stroke is Never Covered if It’s Pre-Existing
Reality: Coverage for stroke begins after the policy’s waiting period for pre-existing conditions has elapsed.
Myth: Only Senior Citizens Need Stroke Coverage
Reality: Strokes can impact people in their 30s and 40s, particularly those with lifestyle or health risk factors.
Myth: Critical Illness Plans Alone are Sufficient
Reality: Critical illness policies typically provide a lump sum payment but do not include coverage for hospitalisation and treatment costs, unlike health insurance.
Myth: Cashless Treatment Is Not Available for Stroke
Reality: Most comprehensive health plans provide cashless stroke treatment at hospitals within their network.
Myth: Stroke Treatment Is Fully Covered Without Limits
Reality: Policies may include sub-limits, copayments, or waiting periods that must be carefully reviewed.
Myth: Disclosing Past Health Issues Increases Claim Rejection Risk
Reality: Providing full disclosure reduces the risk of claim rejection and facilitates smoother settlements.
Purchasing health insurance that includes coverage for stroke is fast, easy, and entirely done online. Just follow these simple steps to get insured smoothly.
You can file a cashless or reimbursement claim under your health insurance coverage for heart- and stroke-related treatments by following the steps below:
| Cashless Claim Process | Reimbursement Claim Process |
|---|---|
| Step 1: Visit an in-network hospital listed for heart or stroke treatment. | Step 1: Please submit your completed claim form along with all necessary medical and hospital documents. |
| Step 2: Complete the required forms at the insurance desk of the hospital. | Step 2: Your claim will be reviewed, and you will get an acknowledgement or approval letter once the verification process starts. |
| Step 3: The hospital will submit the completed forms to our claims management team. | Step 3: Respond to any queries or additional document requests raised by the claim management team. |
| Step 4: You will get an approval letter once your claim has been verified. | Step 4: Obtain final approval from the claim management team following their evaluation. |
| Step 5: Reply to any follow-up questions, then wait to be informed if your cashless claim is approved or denied. | Step 5: Our claims team will contact you if there are specific reasons for the rejection of your claim, if applicable. |
Note: Always inform the insurer as soon as possible, and keep all medical records, prescriptions, and bills securely to ensure a smooth claims process.
22100
Cashless Healthcare Provider^^
63 Lakh+
Insurance Claim Settled**
96 .95%
Claim Settlement Ratio
15 Crore+
Lives Covered Inception
24 X 7
Claim Support
My appreciation for your prompt service
Rahul Sangwan
Health Insurance
We will continue to avail of your scheme
Samanway Barik
Health Insurance
Everything went very smooth
Soubhagya K Kulkarni
Health Insurance
Really helpful explaining the process in advance
Vaibhav Rai
Health Insurance
The cost of brain stroke treatment in India ranges from ₹2 lakh to over ₹10 lakh, depending on factors like severity, stroke type, hospital choice, and treatment duration.
Care Health Insurance is regarded as one of the top health insurance options for stroke patients in India for its comprehensive stroke coverage, high sum insured, affordable premiums, and a widespread cashless hospital network.
Yes, Care Health Insurance offers comprehensive coverage for stroke treatment, including hospitalisation, ICU care, and essential procedures, subject to the policy's terms and conditions.
Stroke-related expenses, including pre-hospitalisation, ICU charges, and post-hospitalisation, are covered in accordance with the policy coverage and sum insured.
Yes, Care Health Insurance covers advanced stroke treatments when medically necessary and covered under the policy.
Yes, stroke patients can access cashless treatment from over 22,100 healthcare providers across India, eliminating the need for upfront payments.
Yes, Care Health Insurance offers affordable premiums, ensuring comprehensive stroke coverage without straining your finances.
Yes, post-hospitalisation expenses for stroke treatment are covered in accordance with the policy terms and limits.
Coverage for stroke may be subject to a waiting period, depending on the policy and the condition's pre-existing status. Please see the policy wording for detailed information.
Claims for stroke treatment can be submitted via cashless or reimbursement methods, in accordance with the claim process outlined in the policy document.
Care Health Insurance offers comprehensive stroke coverage, competitive premiums, a large cashless hospital network, and a high sum insured, making it a reliable option for medical emergencies.
Get the best financial security with Care Health Insurance!
Sales:1800-102-4499
Services:
8860402452
Live Chat
Ultimate Care: UIN - CHIHLIP25044V012425
Disclaimer: Plan features, benefits, coverage, and underwriting of claims are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
**Number of Claims Settled as of Dec'24
^10% discount is applicable for a 3-year policy
#Premium calculated for an individual (Age 26) for sum insured 5 Lakhs in Zone 2 cities with Ultimate Care Policy.
^^Number of Cashless Healthcare Providers as of Feb 2025
Terms & Conditions of Premium Quote Generation
"Care Health Insurance Ltd & associate partners may contact you to assist you with website navigation of www.careinsurance.com and assist in proposal filling."
