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Critical Illness Insurance: What Is It? Who Needs It?

A stroke can significantly affect a person's physical and financial health. But is a stroke covered by critical illness insurance? Yes, critical illness insurance covers stroke.

  • 4,924 Views | Updated on: Mar 13, 2024

In India, stroke is one of the leading causes of death and is more prevalent in rural areas. It can also result in disability, particularly in older patients, and if untreated, strokes can lead to a patient’s death. Therefore, it is highly advised to purchase an insurance cover if one is diagnosed with any such life-threatening illnesses. In addition, life and health insurance can efficiently help you to combat your financial needs.

But is stroke classed as a critical illness? Or does critical illness cover stroke? Here is a detailed explanation about insurance cover for stroke.

What is a Stroke?

A stroke occurs when the brain loses blood due to a blocked blood supply or rupture in the blood vessels. It is a medical emergency that requires treatment at the earliest. It can occur at any stage of life, but the risk is higher in patients older than 55 years of age.

Symptoms of Stroke:

There are two major types of strokes:

1. Ischemic stroke is the more common type of stroke caused by a blocked artery.

2. Hemorrhagic stroke includes bleeding due to the bursting of blood vessels.

The doctors may suggest removing the clot or fixing the blood vessels, which can drastically affect the patient. The patient might become disabled on either side in accordance with the different parts of the brain. Dealing with such brain diseases and related problems can be challenging. Therefore, purchasing life insurance with a critical illness benefit is necessary to avoid unexpected financial problems.

What is Critical Illness Insurance?

Unlike conventional insurance, critical illness insurance is applicable when a person is diagnosed with a life-threatening disease. For example, a stroke or a heart attack can hit a person anytime and require urgent medical attention. Such conditions usually require expensive medical treatments, which can burn holes in your pocket if not covered under an insurance plan. This is where critical illness insurance comes into play.

Benefits of Critical Illness Insurance:

1. It offers a better payout as compared to traditional health insurance.

2. It can act as the source of lost income as the policyholder might not be able to earn. Hence, the insurance also provides financial security for you and your family.

3. The claim process for the insurance is hassle-free.

4. Quick dispersal of funds in case of a medical emergency.

Does Critical Illness Insurance Cover Stroke?

A stroke can significantly affect a person’s physical and financial health. But is a stroke covered by critical illness insurance? Yes, critical illness insurance covers stroke. Critical illness also covers diseases such as cancer and heart attacks. Basic critical illness covers around 3-4 conditions, while 25-26 kinds of diseases are covered in enhanced critical illness insurance plans. The price of this insurance depends on various factors such as age, weight, and the policyholder’s medical history. These factors play a significant role in determining whether or not an individual is likely to suffer from strokes in future.

For instance, those with a family history of strokes are more likely to suffer from strokes; hence they are expected to pay a higher premium as compared to those with no such family medical history. A lump sum is to be paid on the diagnosis of a critical illness and can be used during a medical emergency.

How Long Does Medicare Pay after a Stroke?

Usually, up to 90 days of inpatient rehab is covered by medicare. However, it is advised to read all the terms and conditions of the policy before purchasing it. Remember, insurance cover for stroke is readily available. However, some life insurance companies may not classify mini-strokes or strokes caused by trauma as critical illnesses.


Suffering from a stroke disables you not only physically, mentally, and financially. A critical illness provides you with financial support that can help you in a difficult time. Insurance cover for stroke takes care of your finances for the diagnosis and treatment of stroke. Additionally, the payout is smooth, easy, and tax-free, which can take care of your family in case of a lost income.

- A Consumer Education Initiative series by Kotak Life

Amit Raje
Written By :
Amit Raje

Amit Raje is an experienced marketer who has worked in various Fintechs and leading Financial companies in India. With focused experience in Digital, Amit has pioneered multiple digital commerce in India. Now, close to two decades later, he is the vice president and head of the D2C business department. He masters the skill of strategic management, also being certified in it from IIMA. He has challenged his challenges and contributed his efforts in this journey of digital transformation.

Amit Raje
Reviewed By :
Prasad Pimple

Prasad Pimple has a decade-long experience in the Life insurance sector and as EVP, Kotak Life heads Digital Business. He is responsible for developing user friendly product journeys, creating consumer awareness and helping consumers in identifying need for life insurance solutions. He has 20+ years of experience in creating and building business verticals across Insurance, Telecom and Banking sectors

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