Act FAST in the Event of a Stroke

A stroke occurs when part of the blood supply to the brain is cut off. This can be due to a blood clot blocking blood supply to the brain or from a haemorrhage, where a blood vessel in the brain ruptures. A stoke can be life threatening therefore if you suspect you or someone around you is having a stroke it is an emergency and you should call for an ambulance.

The Stroke Association advice is to act FAST if you suspect someone is suffering a potential stroke.

 Face – the face may have dropped on one side, the person may not be able to smile or their mouth or eye may have dropped.

Arms – the person with suspected stroke may not be able to lift both arms and keep them there because of arm weakness or numbness in one arm.

Speech – their speech may be slurred or garbled, or the person may not be able to talk at all despite appearing to be awake.

Time – it is time to dial 999 immediately if you see any of these signs or symptoms.

(http://www.nhs.uk/Conditions/Stroke/Pages/Introduction.aspx)

Regardless of whether you have a private medical insurance policy or not if you are diagnosed with a stroke your initial treatment will be in an NHS emergency department. Thereafter, further treatment fafaf

Each insurance provider offers slightly different benefits in the event you have been diagnosed as suffering from a stroke. However, if your family has a history of strokes and you feel you may be a higher risk client then BDHL can offer professional advice in ensuring that in the unfortunate event you or family member does suffer a stroke then the appropriate treatment, care and financial protection becomes available. This would also apply in corporate schemes offering protection to your employees.

The Stroke Association supports the importance of people taking out a private medical insurance policy to cover in the event of a stroke. There are many benefits to having a PMI policy.

For example access to prevention services where you can be tested to see if you are a ‘high risk’ patient. These tests can be carried out for problems such as high blood pressure, high cholesterol and an irregular heartbeat. A brain scan such as a CT or MRI can confirm diagnosis and through your policy you will have quick access to scans, medicines and rehabilitation.

(https://www.stroke.org.uk/sites/default/files/R10%20Private%20treatment.pdf )

Having a private medical insurance policy or being part of a group PMI scheme means that you have access to treatments that are not always available on the NHS. You will be cared for in your own private room with the same nursing staff to help and assist you through your recovery and treatment period.

As part of the recovery process from a stroke; access is often needed to intensive speech and language therapy and counselling therapies. There is usually a long waiting list on the NHS for therapies, as well as limits to the number of sessions given. Although expensive and dependant on the insurance provider, health insurance will cover the costs of therapy sessions and can provide support in returning to normal daily life.

If your company is covered and has an Employee Assistance Programme in place for their employees; after a stroke this can be vital in supporting the sick employee and their family during the recovery period. After suffering from a serious injury it can change a person and as a result of that illness can bring on anxiety or depression. Especially as it can be daunting returning to work after a long time off through poor health. An EAP will cover costs of counselling and aid the employee in returning to work confidently and quickly at limited cost to the employer.

A group risk policy can also help aid an employee’s recovery as there is no pressure on having to return to work to earn money to pay everyday bills. Group Critical Illness is a tax-free lump sum paid directly to the sick employee having been diagnosed with a heart attack, stroke, and cancer or kidney failure. This money can then be used to help pay costs of treatment, any changes through disability that might need to be made to the family home or even help with child care.

Group Income Protection will pay a proportion of the sick employees salary until the employee returns to work or retires – allowing the company to employ someone else temporarily whilst ensuring the sick employee is still ‘earning’ and can pay their personal finances.

Group life Insurance (Death in Service)–  pays a tax-free amount to the family in the event of an employer’s death in service. This can go as a help towards paying off a mortgage or funeral costs as well as ensuring that the family left behind do not suffer financially due to the loss of the person earning.A recent survey has concluded that only 2% of patients with symptoms of a stroke have access to stroke prevention surgery within the 48 hour timeframe. Out of 5000 stroke cases 40% of patients were treated in two weeks and most patients were waiting for almost 2 months.

These statistics emphasise the importance of being seen early in the event of suspecting a stroke. If not treated quickly, the recovery period can be prolonged which in turn has serious financial impacts on an employee, their family, an employer and the NHS as this can lead to further medical complications. Strokes are the single largest cause of adult disability which costs £8billion per year to the economy and £3 billion to the NHS.

(https://www.healthinsurancedaily.com/health-insurance/product-area/pmi/article373474.ece)

  • Are you a Director of a company?
  • Are you an HR decision maker for employee benefits?
  • Do you just want private cover for yourself and your family?
  • Are you emigrating abroad?

BDHL is only a click away. Don’t wait for the unexpected – act now and speak to a member of the BDHL team.

Together, we will find the most appropriate plan to ensure that in a difficult time your only focus is to get better.

BDHL – Total Health Insurance in a Changing World.

Phone today on +44(0)1892 891900 or email us at enquiries@bdhl.co.uk