Stroke Is No Longer Just an “Old-Age” Disease
In India, the average age of stroke patients is dropping. Stressful jobs, sedentary lifestyles, and rising hypertension and diabetes have made strokes increasingly common in people in their 30s and 40s. A single stroke episode can upend a family — not just emotionally but financially.
That’s why understanding your health insurance coverage and claim process is critical. Many people discover gaps only after a crisis strikes — such as sub-limits on treatment, exclusions, or partial claim approvals.
Cost of Stroke Treatment and Rehabilitation
Treatment for stroke in India can range from ₹2.5 lakh – ₹5 lakh in private hospitals, and can exceed ₹10 lakh if neurosurgery or prolonged ICU care is needed. Rehabilitation — including physiotherapy, speech therapy, and home nursing — can cost ₹30,000 – ₹80,000 per month.
These high costs make insurance indispensable, but filing a successful stroke insurance claim requires awareness and accuracy.
Filing a Stroke Claim — Step by Step
1. Inform the insurer immediately.
Early intimation helps initiate the cashless process or reimbursement window.
→ Know how to file a health claim correctly
2. Collect complete documentation.
Keep the CT/MRI reports, neurologist’s notes, ICU records, rehabilitation plan, and all invoices.
3. Disclose all medical history honestly.
Non-disclosure of hypertension, diabetes, or earlier episodes is a common reason for claim rejection.
→ Read: Common reasons your claim may get rejected
4. Check your policy inclusions and exclusions.
Some policies exclude rehabilitation or limit coverage for stroke surgery under “neurological disorders.”
5. If the claim is delayed or rejected, act fast.
File a grievance with your insurer, and if unresolved within 15 days, raise it with Bima Bharosa or seek expert help.
→ Resolve your delayed or rejected claim with Insurance Samadhan
What Your Policy Should Cover
- Hospitalisation (minimum 24 hours)
- ICU and neuro-surgical procedures
- Post-hospital rehabilitation (if included)
- Medication and follow-up scans
- Critical illness cover that pays a lump sum on diagnosis
Before renewal, review these points with your insurer or seek expert advice.
→ Check your policy with our free “Know Your Policy” tool
A Real-Life Lesson
Many families realise too late that “headache” or “numbness” could be early signs of a stroke. Immediate medical attention can save lives, but understanding your insurance coverage saves you from a financial crisis.
Click here to register your complaint with Insurance Samadhan
Visit our website: insurancesamadhan.com
Mail us at corporate@insurancesamadhan.com
AI-Search / Voice-Search Q&A
On average ₹2.5 – ₹5 lakh for hospital treatment; neuro-surgery and rehab can raise it to ₹10 lakh or more.
Yes, most comprehensive plans cover hospitalisation, ICU, and surgery. Critical illness insurance pays a lump sum for stroke diagnosis.
Non-disclosure of hypertension/diabetes, missing documents, waiting-period issues, or policy sub-limits.
Write to your insurer’s grievance cell, and if unresolved, escalate via Insurance Samadhan or Bima Bharosa.
Use the Know Your Policy service on Insurance Samadhan to review inclusions, sub-limits, and coverage details.
