Stroke (cerebrovascular accident) means a definite diagnosis of an acute cerebrovascular event caused by intra-cranial thrombosis or haemorrhage, or embolism from an extra-cranial source, with:

  • acute onset of new neurological symptoms, and
  • new objective neurological deficits on clinical examination, 

persisting for more than 30 days following the date of diagnosis. These new symptoms and deficits must be corroborated by diagnostic imaging testing.

The diagnosis of stroke must be made by a specialist.

Survival period

The insured person must survive for 30 days following the date of diagnosis.


No benefit will be payable under this condition for:

  • transient ischaemic attacks
  • intracerebral vascular events due to trauma; or
  • lacunar infarcts which do not meet the definition of stroke as described above.


A stroke (also known as cerebrovascular accident (CVA)) occurs when the blood supply to the brain is reduced either by a blockage (embolus) or a blood clot (thrombosis) or due to hemorrhage, resulting in permanent damage to functions controlled by the brain. Depending on which part of the brain is damaged, this can result in paralysis to one side of the body and impairment of speech or vision. Tiny mini-strokes that do not produce symptoms or persisting neurologic impairment are not covered.