Why your Medical Bills won’t be Covered for the Stroke Treatment if You don’t have a Pre-Existing Coverage

In this article we will tell you more about Stroke and explain why insurance companies won’t pay your medicals bills for stroke treatment if you don’t have a special pre-existing coverage. You always should buy a Visitor Health Insurance with good pre-existing coverage. Please learn more here.


What is stroke?

 A stroke is a “brain attack”. It can happen to anyone at any time. It occurs when blood flow to an area of brain is cut off. When this happens, brain cells are deprived of oxygen and begin to die. When brain cells die during a stroke, abilities controlled by that area of the brain such as memory and muscle control are lost.

How a person is affected by their stroke depends on where the stroke occurs in the brain and how much the brain is damaged. For example, someone who had a small stroke may only have minor problems such as temporary weakness of an arm or leg. People who have larger strokes may be permanently paralyzed on one side of their body or lose their ability to speak. Some people recover completely from strokes, but more than 2/3 of survivors will have some type of disability.


Stroke By The Numbers

* Each year nearly 800,000 people experience a new or recurrent stroke.
* A stroke happens every 40 seconds.
* Stroke is the fifth leading cause of death in the U.S.
* Every 4 minutes someone dies from stroke.
* Up to 80 percent of strokes can be prevented.
* Stroke is the leading cause of adult disability in the U.S.

Please go to the National Stroke Association website to learn more.
Also, it has been found that in India following diseases increases the risk of stroke by the corresponding percentage:
* Obesity up to 49 per cent
* Smoking up to 46 per cent (in men)
* Hypertension up to 40 per cent
* High cholesterol up to 32 per cent
* Alcohol consumption up to 22 per cent
* Heart diseases up to 12 per cent
* Diabetes up to 12 per cent
* Family history up to 8 per cent

Please read more facts here.

There are many conditions which might cause a Stroke such as high blood pressure, diabetes, etc. If a stroke was caused by any of that pre-existing conditions, insurance companies won’t pay your medical bills unless you have a pre-existing coverage. You should be careful when you’re choosing a Visitor Health Insurance Plan. India Network offers plans that use policy holder friendly definitions and only a few exclusions. The features are:

a) Pre-existing conditions are covered in the same way as new problems and accidents (No other plan in USA use this broad definition under ACE Premier and ACE Network Plans).

b) Urinary Track Infections are not excluded from India Network Health Insurance Plans. (Many plans put this in exclusion list as it is a common problem among elderly people).

c) All India Network Health Insurance plan claims are processed in the USA, (6 weeks to settle a claim) and they are underwritten by American Insurance Companies.

d) Our plans are not Acute onset (except AXIS Low cost pre-existing conditions Plans) and you can get medical attention whenever it’s more convenient  or needed (ACE Premier and ACE Network)

India Network Services is a US-based company that administers visitor health insurance to tourists, students, temporary workers and their families. Visitor medical plans are offered for all age groups (0-99 years old) with both fixed coverage, comprehensive coverage and with pre-existing condition coverage.

Please visit this page to get a quote of Visitor Health Insurance Plans offered by India Network Services

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