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icon Health Insurance icon Diseases icon Stroke

Stroke

Brain stroke often known as stroke is a medical condition where a part of the brain is unable to receive enough blood and oxygen supply either due to blockage or rupturing of the blood vessels. As tissues and cells in the brain need a regular supply of blood and oxygen to operate, they begin to die within minutes due to a lack of oxygen. This condition ultimately leads to stroke. There are three types of stroke-

  • Ischemic Stroke

    A brain stroke caused due to the narrowing or blockage of the brain's blood vessels.

  • Haemorrhage Stroke

    A stroke caused due to the rupturing of the blood vessels or leaks in them.

  • Transient Ischemic Attack (TIA)

    This type of Stroke does not cause permanent damage. It may last for up to 5 minutes. It is primarily caused due to blood clots or debris clotting in the blood vessels.

Best Health Insurance Plans

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Reliance General Insurer
Amount Covered: ₹ 1 Lakh
Deal Price: ₹ 2,094 / Year
Waiting period: 4 yrs

Health Insurance Companies Provides Cashless Treatment

HDFC ERGO
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Liberty Health Insurance
Universal Sompo
Universal Health Insurance
ICICI Lombard
ICICI Lombard Health Insurance
United India
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Bajaj Allianz
Bajaj Allianz Health Insurance
IFFCO TOKIO
IFFCO TOKIO Health Insurance
LIC
LIC Health Insurance
Care
Care Health Insurance
Raheja
Raheja QBE Health Insurance
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New India Health Insurance
TATA AIG Insurance
TATA AIG Health Insurance
Aditya Birla
Aditya Birla Health Insurance
Star
Star Health Insurance
ManipalCigna
ManipalCigna

Causes Of Stroke

"What causes a stroke" is one of the most frequently asked questions. Well, there are various causes that may lead to a stroke. If you experience a brain stroke, it is essential to see your doctor. Let's understand the causes of each type of stroke-

  • Ischemic Stroke:

    • The blood supplying arteries gets blocked or narrowed
    • Blood clotting in arteries
    • Plaque deposit may also lead to blockage
  • Haemorrhage Stroke:

    • A broken artery in the brain
    • A leaking artery in the brain
    • In intracerebral haemorrhage stroke, the tissues around brain gets filled with blood and ultimately bursts
    • In subarachnoid haemorrhage stroke, the area between tissues and the brain starts to bleed
  • Transient Ischemic Stroke:

    • Temporarily blockage of the blood flow to the brain
    • A blood clot

The general causes that lead to the blockage include-

  • Hypertension
  • Excessive cholesterol
  • Use of tobacco
  • Diabetes
  • Obesity
  • Unhealthy lifestyle and diet
  • Obstructive sleep apnea
  • Alcohol intake
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Symptoms of Stroke

Different types of strokes may show somewhat different symptoms. After knowing "what is a stroke", It is essential to have an idea of the stroke symptoms in order to take quick medical actions in times of need.

The brain stroke symptoms are-

  • Depending on the damaged area of the brain, the connected body part will experience the symptoms. These include-
  • Paralysis
  • Numbness of arms, face, or legs mostly on one side of the body
  • Unclear speech
  • Trouble understanding what others are saying
  • Mental confusion
  • Unable to respond
  • Sudden agitating behaviour
  • Double vision or trouble seeing clearly
  • Unbalance of the body
  • Dizziness
  • Seizures
  • Vomiting
  • Nausea
  • Sudden headache

More About Stroke

A stroke can be controlled and damages can be controlled if brain stroke treatment is provided immediately. Neglecting the symptoms may lead to permanent or long-term disability, brain damage, or even death.

Apart from brain stroke, there are some other types of stroke, like-

  • Sun Stroke- It is a medical condition where the body parts get affected due to excessive body heat, above 104° F. Either due to overexposure to the sun or excessive heat generated due to strenuous activities, sunstroke may occur. Immediate treatment is a must.
  • Heart Stroke- This stroke occurs in the heart when the oxygen-rich blood supply to the heart gets blocked. If immediate medical help is not given then the person may die.
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Preventive Measures Against Stroke

The sooner the brain stroke treatment begins, the higher is the chances for the patient to be safe and recover. The primary step toward any medical condition including brain stroke is taking preventive measures to avoid any such problems. People who have risk factors associated with strokes or those who have had TIA must be more careful. In case of a stroke, the preventive measures are-

  • Maintain a healthy lifestyle especially if you are diagnosed with diabetes or hypertension
  • Avoid food with high amounts of cholesterol and fat
  • Keep control of diabetes
  • Quit smoking and alcoholism
  • Exercise daily to stay fit and healthy
  • Your doctor may also prescribe preventive medications like anticoagulants or antiplatelet drugs if required

Health Plans for Stroke

Name of the Plan Best Features
Bajaj Allianz Critical Illness Policy
  • Covers 10 major critical illness
  • Get the multiple sum insured options for different age group
  • This policy covers your family as well and children above 6 years of age
  • Individuals may also avail tax benefits
Manipal Cigna Lifestyle Protection – Critical Care Insurance Plan
  • Treatment and coverage for 15 critical illness
  • The maximum sum insured can be of INR 25 crore
  • Get access to the online wellness program
  • Avail income tax benefits up to INR 1 lakh
Care Critical Illness Health Insurance
  • This plan covers 32 critical illness
  • Get high coverage mediclaim policy at low premium
  • Organ donor expenses covered
  • Dialysis expenses covered
Star Criticare Plus Insurance Policy
  • The plan is entitled to cover 9 critical illness
  • Covers non-allopathic treatment to certain limit
  • Get guaranteed lifelong renewals
  • AYUSH treatment is also covered

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Maternity Health Insurance
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Cancer Insurance
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Family Floater Health Plans
Family Floater Health Plans
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Benefits of health insurance for Stroke

Upon purchasing a health insurance plan, you must be ready to avail a wide range of benefits. Apart from the basic Inclusions of the policy, there are a lot of factors that help you stay calm. These are-

  • A support pillar:

    In case of a medical emergency, especially when it's a critical illness, the financial burden can affect the family a lot. This is when the health plans play a major role in providing financial aid.

  • Coverage for better treatment:

    One single health plan provides a wide range of treatment expenses. It goes from road ambulance, pre and post-hospitalisation, to Day-care and critical illness expenses.

  • Cashless benefits for hassle-free treatment:

    Due to the cashless treatment benefits offered by almost all the insurance companies, getting instant treatment has become easier. The company directly settles the bills with the hospital. So, at in-network hospitals, you need not arrange cash before getting the treatment

  • Tax benefits:

    Most health insurance plans are eligible to get the tax benefits under Section 80D of the Income Tax Act. So, it helps you save on the premium paid.

Inclusions in a health insurance policy for Stroke

The aim of each health plan is to provide medical benefits to the insured person. Though some benefits and features might differ from plan to plan, the basics remain the same. These are-

  • Pre and post hospitalisation expenses
  • Road ambulance benefit
  • Cover for a number of critical illnesses
  • Daycare treatment expenses
  • Some also cover organ donor expenses
  • AYUSH treatment is also covered by many plans
  • Tax benefits can be availed
  • No claim bonus benefits
  • Some plans may also offer modern-day treatment expenses
  • Room rent charges are covered
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Exclusions in a health insurance policy for Stroke

It is vital to note that one single health plan cannot cover all the benefits. Also, there are several medical conditions that are not included in most health insurance plans. These are-

  • Pre-existing medical conditions may not be covered
  • Injuries caused due to suicide attempt is not covered
  • Medical emergency due to the intake of intoxicants like drugs, alcohol, etc. are not covered
  • Cosmetic treatment is mostly not covered

How to buy from Coverfox?

  • 1 Fill in your Details
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  • 2 Compare the Plans
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    You will soon see a list of plans that suit your requirements. Browse through them. You can select a few to compare them further.
  • 3 Make a Decision
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    When you make up your mind, you can select the policy and click ‘Buy Now’.
  • 4 Check Out
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    Submit the application. A company executive will be in touch with you soon.

List of Diseases Covered by Health Insurance

Asthma
Asthma
Dengue
Dengue
Diabetes Mellitus
Diabetes Mellitus
Malaria
Malaria
Thyroid
Thyroid
Corona Virus
Corona Virus
Oral Cancer
Oral Cancer
Heart Attack
Heart Attack
Stroke
Stroke
Paralysis
Paralysis
Obesity
Obesity
Fatty Liver
Fatty Liver
Sarcopenia
Sarcopenia
Swine Flu
Swine Flu
Vector Borne
Vector Borne
Thyroid Cancer
Thyroid Cancer
Testicular Cancer
Testicular Cancer
Spinal Cord Tumour
Spinal Cord Tumour
Tuberculosis
Tuberculosis
Parkinson
Parkinson
Alzheimer
Alzheimer
Blood Pressure
Blood Pressure
Plaque
Plaque
Breast Cancer
Breast Cancer
Polio
Polio
Bird Flu
Bird Flu

Frequently Asked Questions

  • Q. Is stroke covered in insurance?

    • Yes, almost all the health insurance plans and companies cover stroke

  • Q. Is brain stroke a critical illness?

    • Yes, brain stroke is most commonly covered as a critical illness

  • Q. Is stroke covered under mediclaim?

    • Yes, brain stroke is covered under Mediclaim

  • Q. What benefits can I claim after a stroke?

    • The health insurance benefits that you get after a stroke depend entirely on the kind of policy that you have. A fixed benefit plan pays you in a lump sum when such a health issue arises, whereas in other policies the expenditure of the medical treatment is covered up to a specified limit.

  • Q. What are 5 warning signs of a stroke?

      • Sudden numbness of legs, arms, and face, especially on one side of the body
      • Trouble speaking and understanding others
      • Loss of balance and trouble in vision
      • Sudden serious headache
      • Dizziness, vomiting
  • Q. How does a stroke happen?

    • A stroke majorly happens due to a blocked artery or due to the bursting/leaking of a blood vessel in the brain

  • Q. What are the 3 types of strokes?

      1. Ischemic Stroke is caused due to blocked artery. It is the most common type
      2. Haemorrhage Stroke is caused due to bursting of a blood vessel
      3. Transient Ischemic Attack is caused due to blocked artery. This is a short-term stroke where a person mostly recovers
  • Q. What is a silent stroke?

    • A silent stroke occurs when a part of the brain gets affected that does not control vital functions or movements of the body. This is the reason the patient might not experience any prior symptoms and the stroke silently happens

  • Q. Can drinking water help prevent a stroke?

    • If dehydration is the cause of the stroke symptoms then drinking sufficient water may help in improving the condition

  • Q. When do stroke symptoms start?

    • The brain stroke symptoms may begin to show up a week or days before the stroke. It may include warning signs.

  • Q. Does aspirin prevent stroke?

    • Only in case of blood clots, aspirin may help relax the stroke. But if the stroke occurs due to plaque or ruptured vessels, aspirin may not be helpful.

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