It can be challenging to obtain life insurance after a stroke. It is, however, possible.
Because a stroke is a critical illness, most insurance companies may not offer a term plan to someone who has had one. A critical illness benefit rider in life insurance covers a stroke. As a result, the policy necessitates extensive underwriting.
There is life insurance available for stroke survivors. However, you may need a medical exam to determine your current health status. The insured must maintain complete transparency with their insurer regarding their medical history, as inconsistencies may result in the rejection of life insurance claims.
The day of stroke diagnosis, current health conditions, measures taken after diagnosis, medical records, and alcohol and tobacco use are all factors that influence life insurance for stroke survivors. It’s essential to understand the meaning of a term plan in such a scenario since life insurance premiums after a stroke can be higher than policies purchased without pre-existing conditions.
Is it possible to live a long and healthy life after a stroke?
The age at which your stroke was diagnosed, your overall health, and your support system to help you cope after a stroke all play a role in your recovery. Even after recovery, a stroke can cause memory loss, difficulty speaking, pain or numbness, loss of emotional control, and partial paralysis.
Your stroke must be detected as soon as possible. This improves your chances of recovery and allows you to live longer. After the threat has passed, good rehabilitation facilities, therapists, medication, and lifestyle changes can assist you in fully recovering and living a long and healthy life.
Life insurance for stroke survivors is essential because it protects their loved ones in the event of an accident. In India, a term insurance plan with a return of premium feature may be the ideal way to protect your family from future expenses following a stroke.
Riders, such as critical illness benefits and disability cover, are available can help cover expenses in future health emergencies.
Advice: Use an online term plan calculator to find affordable premium rates that shall meet your requirements as well.
How do you deal with life after having a stroke?
Some people recover completely from a stroke, while others have long-term effects and must live with partial or total disability. To avoid the long-term consequences of a stroke, seek treatment as soon as possible.
The earlier treatment begins, the lower the risk of complications. Following treatment, the first 6 to 12 months of rehabilitation or therapy are critical for complete recovery. Brain cells may heal within the first few months of a stroke and taking advantage of this time to fully recover is beneficial.
Stroke survivors may need to relearn daily activities to cope with life. Stroke survivors are usually required to be monitored by doctors after they recover. This is because strokes can be caused by underlying conditions such as high blood pressure or clotting problems, which must be addressed.
While stroke survivors are vulnerable to another attack, it is entirely avoidable if an effective treatment plan is followed. However, those around you must understand the protocol for what to do in the event of an impending stroke.
Conclusion:
Life insurance for stroke survivors assists them in adjusting to life after a stroke. Choose a term plan with a premium return feature to ensure the future. Your premiums could be significantly higher. You can get an estimate of the same with the help of a term plan calculator.
But it may be worthwhile in the end. If you are a stroke survivor, you should choose the critical illness benefit rider because it assures insurance against another stroke episode and other life-threatening illnesses.
While you can live long and healthily after a stroke, you should expect medical bills. It is critical to plan for your future finances and the security of your family, especially after a stroke. While insurance companies provide life insurance for stroke survivors, there may be a waiting period before the death benefit kicks in.
With insurance companies offering a variety of additional riders, such as disability cover, accident cover, and critical illness benefits, it is prudent to conduct research and determine which policy is ideal for you.
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
