Life Insurance after a stroke can be possible, you should be prepared to provide the insurer with details regarding the time since your last episode, how many strokes you have had, the cause of the stroke, age at the time of onset and any permanent symptoms it has caused. The insurance provider(s) that you approach will wish to speak with your GP to establish the severity of your stroke and your general health following its occurrence.
If you have suffered a stroke due to migraines or the contraceptive pill then you may be able to obtain Life Insurance after a stroke, at standard terms.
In general however you are likely to find that your Life Insurance for stroke survivors will be accepted with a small premium loading if your stroke was mild with minimal complications. Where there have been recent instances of numerous strokes and/or severe episodes with permanent symptoms then your policy premiums may be rated highly, or in extreme circumstances your application declined. Where a person has suffered a stroke at a young age, and are currently aged 40 or under, the number of providers who can consider cover is substantially less however there often are options available.
In the past Critical Illness Cover was not available for people who have had a stroke unless it was due to the contraceptive pill. Whilst the options are currently limited there are sometimes plans available, dependant on the nature of the stroke and overall health. Where cover is offered it is likely that strokes and related conditions would be excluded from the plan.
Income Protection after a Stroke may be available in some circumstances, with a cerebrovascular exclusion to the policy claims set. Income Protection applications will need to detail the circumstances causing your stroke, if you have been able to return to work, your overall health and whether you have any lasting complications from the stroke.
As an alternative you may wish to consider Accident, Sickness and Unemployment Cover which you can take out without any medical underwriting. An Accident, Sickness and Unemployment policy provides you with a regular monthly income should you be unable to work due to an illness, injury or through redundancy. These policies provide short-term benefits, with claim periods generally being set to a maximum of 12 to 24 months.
Had a stroke and going on holiday? Make sure you arrange travel insurance that gives you the correct cover for stroke survivors. We work alongside a specialist travel insurance broker that can help you get the right cover for you, find out more here.
Possible Effects on Lifestyle
Some potential problems experienced by individuals who have Strokes include:
Medications and Treatments
Aspirin (Angettes, Caprin, Nu-Seals)
Fluvastatin Sodium (Lescol)
For more information on specific health conditions, pastimes, occupations and countries please select here:
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A stroke occurs when part of the blood supply to the brain is stopped. Strokes are classified as either ischaemic (caused by a blood clot) or haemorrhagic (when a blood vessel bursts), restricting the optimal flow of blood into the brain. This page focuses specifically upon a full stroke which is treat as a more severe condition than a transient ischaemic attack (TIA), for information regarding Life Insurance following a TIA please click here.
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