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Umbrella Coverage

Heart Attack & Stroke Insurance

A lump-sum cash benefit paid directly to you on diagnosis — yours to spend however you need, on top of any other coverage you carry.

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The real risk

Why this coverage exists

1 in 5

Heart attacks are responsible for 1 out of every 5 deaths in the U.S.

Every 40 sec

someone has a stroke in the United States.

#1 & #3

Heart attack is the #1 cause of death for women and men; stroke is #3 for women, #5 for men.

How it works

Heart attack and stroke insurance pays you a lump sum directly — no waiting for claims to be processed, no restrictions on how you spend it. The benefit is yours, on top of any other coverage you carry.

  • Medical deductibles and co-pays
  • Travel for treatment or recovery
  • Lost income during recovery
  • Mortgage or household bills
  • Help at home — caregiving and home care
  • Protect your savings and investments
Notice to Buyer: This is not a Medicare Supplement policy and is not major medical coverage. This policy may not cover all of your medical or health-care expenses and should not be purchased as a substitute for Medicare or Medicare-related health plans.

Statistics sourced from the CDC, American Stroke Association, American Cancer Society, National Cancer Institute, and National Library of Medicine.

Good to know

Your questions, answered

Each policy defines covered events specifically. In general, a covered heart attack requires a physician's diagnosis supported by evidence such as EKG changes and elevated cardiac enzymes; a covered stroke typically requires confirmed neurological damage lasting longer than 24 hours. Mini-strokes (TIAs) and angina are usually treated differently and may or may not be covered.
Once a completed claim and the required physician documentation are submitted, most carriers pay the lump sum within a few weeks. It's paid directly to you in one lump sum — not in installments and not to a hospital or doctor.
Yes. It's supplemental coverage that pays in addition to Medicare, Medicare Advantage, a Medicare Supplement, employer coverage, or an ACA plan. The benefit goes to you, so it doesn't reduce what your primary insurance pays.
It depends on the plan. Some require you to be free of heart attack or stroke history at application; others have a waiting period, modified benefits, or cover one condition but not the other. The easiest way to know what you qualify for is to walk through your history with a licensed agent.
Premiums vary based on your age, health, the benefit amount you choose, and the carrier. Because pricing is personalized, the most accurate way to see a real number is a quick coverage review — no cost or obligation.
Free consultation

See if this coverage fits your situation

In a short, no-pressure review, a licensed agent walks you through benefit amounts, costs, and how this works alongside the plan you already have.

Free consultation

Book time with an I Know Medicare agent

A short, no-pressure conversation. We'll answer your questions and lay out your options in plain English.

  • Always free — never changes your premium
  • Local, licensed, independent
  • In person, by phone, or virtual
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