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near-death insurance

Frequently asked question

Do you payout for a serious stroke?

A stroke which leaves you with permanent disability or impairment to your nervous system. (Measured as a level 2 or above on the Modified Rankin Scale at least one month after the stroke)


What we won’t payout for

Modified Rankin Scale – 0

No symptoms at all.

Modified Rankin Scale – 1

No significant disability. Can do all your normal activities, although there may be some symptoms.


What we will payout for

Modified Rankin Scale – 2

Slight disability. You can’t do all your normal activities, but you don’t need assistance.

Modified Rankin Scale – 3

Moderate disability. You need help with some activities, but you can walk unassisted.

Modified Rankin Scale – 4

Moderate severe disability. You can’t walk unassisted.

Modified Rankin Scale – 5

Severe disability. You’re bedridden and need constant care.


The effects of a stroke depends on where it takes place in the brain, and how big the damaged area is. For some people, the effects may be relatively minor and may not last long. Others may be left with more serious problems that make them dependent on other people. We payout if you can’t do the same things you used to do.

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