How to obtain a life insurance policy after a stroke

25-August-2021 |

Can you get life insurance after a stroke?

A stroke is a serious medical event, and the chances of developing other dangerous conditions after a stroke are quite high. A stroke occurs when blood vessels, such as arteries, get blocked, or worse, they burst, leading to the brain receiving a deficient blood supply. The affected part of the brain is deprived of oxygen, affecting the functions it controls, such as memory or motor functions. Over 1.6 million people are diagnosed with stroke annually.

Obtaining life insurance after a stroke can be difficult. However, it is not impossible. Generally, insurance companies will not be willing to offer a term plan to someone who has had a stroke, as stroke is a critical illness. A stroke is covered by a critical illness benefit rider# in life insurance. Therefore, the policy requires extensive underwriting. Life insurance for stroke survivors is available. But you will need to undergo a medical test to determine your current health status. It is important that an insured maintains complete transparency with his insurer about his medical history because inconsistencies may lead to rejection during claim settlement for your life insurance after a stroke.

Life insurance for stroke survivors depends on various factors, such as the day of stroke diagnosis, current health conditions, measures taken after diagnosis, medical records, and alcohol and tobacco use. The premiums for life insurance after a stroke will be higher than policies purchased without any pre-existing conditions.

Getting a pure term plan for stroke survivors is difficult, and the best option is usually a guaranteed1 return plan. These plans guarantee1 insurance while also offering savings and investment options. This means that guaranteed1 return plans in India secure you and your loved ones with both a death benefit as well as survival benefits in the form of returns on investment. That said, the death benefit in guaranteed1 return plans is lower than the sum assured in a pure term plan. The death benefits for a guaranteed1 return plan in India can be increased by paying higher premiums. Plus, you can add riders, such as critical illness benefit and disability cover, which are important for stroke survivors. You can visit Tata AIA Life Insurance payment to learn more about premiums and payments for guaranteed1 return plans.

 

Can you live a long healthy life after a stroke?

Studies show that stroke diagnoses are increasing year on year due to factors such as inactivity and increased stresses in our lives. Strokes are said to take years off a person’s life, with data showing that only 38% survive over 5 years after stroke. Strokes increase the chance of other cardiovascular as well neurological illnesses. But this does not mean you cannot live a long, healthy life after a stroke. Health risks are higher for stroke survivors, but they can lead healthy lives by taking proper precautions and prescribed medication. Adopting a healthy lifestyle will greatly reduce the risk of future strokes and other health conditions.

Recovery after a stroke depends on various factors, such as the age at which your stroke was diagnosed, overall health, and your support system to help you cope after a stroke. A stroke can also leave lasting effects even after recovery, including memory loss, difficulty speaking, pain or numbness, loss of emotional control, and partial paralysis. It is crucial that your stroke is detected quickly. This increases your chances of recovery and helps you lead a long life. After the danger has passed, good rehabilitation facilities, therapists, medication, and lifestyle changes can help you fully recover and lead a long and healthy life.

Life insurance for stroke survivors is important as it will secure their loved ones in the case of an eventuality. A guaranteed1 return plan in India may be the best way to secure your family from future expenses after a stroke. Riders# such as critical illness benefit and disability cover can be purchased with guaranteed1 return plans, and these are helpful to cover expenses in case of future health emergencies.

How do you cope with life after a stroke?

Some people make a full recovery after a stroke, some are left with lasting effects, while some may have to cope with partial or complete disablement. To avoid the lasting effects of a stroke, you must seek treatment as soon as possible. The sooner the treatment, the lower the chances of complications. After treatment, it is the first 6 to 12 months of rehabilitation or therapy, which are crucial for a complete recovery. Brain cells may heal within the first few months of a stroke, and using this period to recover completely is helpful. Stroke survivors may also need to relearn day-to-day activities to cope with life.

Stroke survivors generally need monitoring by doctors post-recovery. This is because strokes can have underlying conditions, such as blood pressure issues or clotting issues, and these ailments must be taken care of. While stroke survivors are prone to another attack, it can be avoided completely by following an effective treatment plan. 75% of stroke survivors never have another attack. But it is important to ensure that those around you know the protocol of what is to be done in the case of an impending stroke.

 

Conclusion

Life insurance for stroke survivors helps them cope with life after a stroke. Ideally, you should opt for a term plan and a guaranteed1 return plan to secure the future of your loved ones. Your premiums may be substantially higher. But in the end, it will be worth it. Critical illness benefit is a rider you should opt for if you are a stroke survivor as it guarantees1 insurance against another stroke episode and other life-threatening illnesses.

While you can live a long and healthy life after a stroke, be prepared to face medical expenses.

Planning for your future finances and the security of your family, especially after a stroke, is important. While insurance companies guarantee1 insurance with life insurance for stroke survivors, there may be a waiting period till the death benefit is in force. But with guaranteed1 return plans in India, your funds are secure, and you get returns on your investment on survival as well. With insurance companies offering a host of additional riders, such as disability cover, accident cover, and critical illness benefit, it is prudent to research and check which policy will suit you.

 

People Also Ask:

  1. Can you get a life insurance policy after a stroke?

  2. Can you live a long healthy life after a stroke?

  3. How to cope with a stroke? 

 
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  • #Riders are not mandatory and are available for a nominal extra cost. For more details on the benefits, premiums and exclusions under the riders please refer to the Rider Brochure or contact our Insurance Advisor or visit our nearest branch office

  • 1Guaranteed Returns/Payouts depend on Plan Option, Policy Term, Premium Payment Term and Age at entry.

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