Critical Illness Insurance

Did you know that your chances of becoming critically ill are much higher than dieing according to statistics. It is important to protect you and your family if you are faced with an unfortunate situation of becoming critically ill. 

Critical illness insurance is designed to protect you from financial strain during the period of an unexpected critical illness.  This type of policy is taken as a preventative financial measure in the case an unexpected illness forces the policyholder to seek care not covered by standard healthcare benefits, which is often expensive.  In exchange for a regular premium payment, the policyholder receives assurance that should a covered medical emergency arise, the policy would come into effect and provide financial assistance in dealing with the situation. 

As with most insurance policies, critical illness insurance policies only pay when needed.  In this case, the policy would not provide any financial benefit until the policyholder is diagnosed with an illness, meeting the criteria defined in the policyholder agreement.  Depending on the type of policy obtained by the consumer, the critical illness policy may pay for treatment by dealing with the clinical provider directly, or may provide funds directly to the consumer for use during treatment.  Policies can be specific, for example: A policy may pay only in the event of a cancer diagnosis.  Alternatively, the policy may cover a larger range of potential diagnoses.  Price will vary based on the amount of coverage requested as well as the specificity or generality of the policy.  

Critical Illness is available for both children and adults.  

? Ask us why more and more parents are insuring their children against critical illness. 

? Ask us about the “money back option” within a critical illness policy.  

We will help you determine the amount of coverage you need, the type of coverage suitable to you and the premium that fits your budget.

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