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Critical Illness Insurance

Critical Illness Insurance

Critical illness insurance is a health insurance product that provides you one-time lump sum cash payment if you’re diagnosed with any of the three most common, and most expensive, critical illnesses:

  • Heart Attack
  • Stroke
  • Cancer

Many critical illness insurance policies also provide you with cash upon diagnosis of any of the secondary critical illnesses, which include, but are not limited to, the following:

  • Major organ transplant
  • Coronary artery bypass surgery
  • Deafness
  • Alzheimer’s disease
  • Kidney failure
  • And many more..

Major Benefits of Critical Illness Insurance

It provides you with a single cash payment upon diagnosis of a critical illness (as defined and specified in the policy) which you can use in any way you choose, such as:

  • As a substitute for the loss of income while you recover
  • To pay for health insurance deductibles which are no longer covered by your plan
  • To pay for experimental treatments which are usually not covered by regular health insurance plans
  • To pay treatment-related travel expenses

How Much Does Critical Illness Insurance Cost?

The cost is dependent on your age, current medical condition, the amount of coverage you want, the number of illness your policy will cover, and the insurance company. With critical illness insurance, the younger and healthier you are, the lower the premium will be.

Having a critical illness insurance will not only help you effectively confront the financial challenges brought about by the diagnosis, treatment, and recovery from life-changing illnesses, it will also protect your retirement savings from getting exhausted and prematurely depleted before you’ve even retired.

Questions? Call or CONTACT US today to learn more or get a no obligation quote.

4 Key Elements You Should Look Out for in a Critical Illness Insurance

Critical insurance policies will differ from one insurance provider to another. It is very important that you know the key elements to look out for when comparing them:

  • Will the insurer provide me with multiple lump sums if I’m diagnosed with more than one critical illness?Some insurers will only provide one-time cash payment regardless of the number of critical  illness you’re diagnosed with over time. Say for example you had a heart attack at the  age of 56 and a stroke at the age of 60; some insurers will pay the lump sum for the firstincident but not for any succeeding incidents, others on the other hand, will pay for every  ncident of critical illness from which the policy holder suffers from.
  • Will I get my premium back in case I don’t get to use the insurance due to untimely death?Some insurance companies offer a Return of Premium (ROP) benefit that will refund all  premiums upon either the expiry of the policy or policy holders death if no claims had been  made on the policy.
  • Is the cash payment readily available when I need it?It is very important that you determine the waiting period stated in your critical insurance  policy. Does the policy take into effect on the date of issue? Or does it only become  effective after your diagnosed with a critical illness.
  • What are its specifics regarding stroke coverage?Most critical insurance policies require that the stroke damage must last 30 days before  you are issued with the lump sum payment. Other insurers require much shorter time – this  means that if you suffer from stroke you are much likely to be issued with the cashpayment.

It is important that you thoroughly read the terms and condition in your policy. Moreover, you should also ask your insurance advisor with a complete explanation of the insurance coverage.