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Heart & Stroke Insurance

Heart disease, heart attack and stroke are often in the news

These conditions can be very costly to treat and unfortunately affect many people in the U.S.  Good News! You have a better chance than ever before of surviving these conditions, but advanced treatments can be very expensive, and non-medical expenses add up quickly. Your savings and your family’s financial security might not survive your treatment and recovery. That is why these policies are so important.

  • An estimated 83.6 million American adults (more than 1-in-3) have cardiovascular disease.1
  • Nearly 800,000 strokes occur each year.That’s 1 stroke every 40 seconds.2
  • Strokes are a leading cause of serious disability.3
  • After age 40, the lifetime risk of developing cardiovascular disease is 66% for men and 50% for women.4
  • About 60% of all stroke victims are women.5
There are two basic costs associated with heart disease and stroke.

Medical Expenses

These costs typically are partially or fully covered by your standard medical insurance. Examples include doctor bills and hospital charges.

Nonmedical Expenses

These indirect, unavoidable expenses caused by heart disease and stroke may have to be paid out of your own pocket.

Nearly 44% of the total cost of heart disease and stroke is not paid by major medical insurance.6

Medical Costs are only one piece of the puzzle

If you are ever diagnosed with heart disease or stroke, supplemental health insurance benefits can help while you recover. Benefit payments can be used as needed to help pay expenses like these:

  • Special Expenses

    Transportation
    Hotels
    Special Diets
    Family Care

  • Insurance Shortfalls

    Deductibles
    Copayments
    Benefit Limitations

  • Living Expenses

    House Payments
    Car Payments
    Utilities
    Groceries

  • Loss of Income

    If you or your spouse is unable to work or must provide care for a family member.

Protect you and your family against the potential financial loss of
Heart Disease, heart attack and Stroke.

Heart & Stroke Insurance Benefits

Return of Premium

  • Heart Transplant Benefits
  • Surgery and Anesthesia Benefits
  • Daily Hospital Confinement Benefits
  • Inpatient Attending Physician Benefits
  • Skilled Nursing Facility Benefits
  • Transportation and Lodging Benefits
  • AND Many Other Benefits

Pulse Protection insurance offers a 100% Return of Premium Benefit. This means if you keep your policy and rider in force for the designated period of time, you will receive a check for all premiums paid, less any claims.7

1American Heart Association, Heart Disease and Stroke Statistics 2014 Update, p.116.

2Ibid., p.141.

3Ibid., p.146.

4Ibid., p.126.

6American Heart Association, Heart Disease and Stroke Statistics 2014 Update, p.148.

5Ibid., p.141.

7The return-of-premium benefits are contained in rider form CHIC-8047, including state variations, where used.

Insurance policies underwritten by Washington National Insurance Company, home office: Carmel, IN.
LIMITED-BENEFIT POLICIES. These policies have limitations and exclusions. For costs and complete details of coverage, contact an agent.

The return of premium (ROP) or cash value (CV) (in MO, “cash return”) benefit is subject to state and product availability. The benefit has an additional charge and may pay minus claims or regardless of claims based on the policy selected. The policy must remain in force until the end of the ROP/CV period for the benefit to be paid.