Health Insurance

Critical Illness Insurance

Critical Illness Insurance

A serious illness will affect your financial status as well as your lifestyle.  Cancer and heart attacks are still one of the top conditions that can create a financial burden for you or your family. 

Critical illness insurance is a policy that can help ease the financial strains through the payment of a tax-free lump sum.  Covered conditions are:

E

Heart attack

E

Stroke

E

Coronary artery bypass surgery

E

Cancer

E

Acquired brain injury

E

Aortic surgery

E

Aplastic anemia

E

Bacterial meningitis

E

Benign brain tumor

E

Blindness

E

Coma

E

Deafness

E

Dementia, including Alzheimer Disease

E

Heart valve replacement surgery

E

Kidney failure

E

Loss of independence

E

Loss of limbs

E

Loss of speech

E

Major organ failure

E

Major organ transplant

E

Motor neuron disease

E

Multiple sclerosis

E

Occupational HIV

E

Paralysis

E

Parkinson’s Disease

E

Severe burns

Features and Major Benefits

There are a number of specifics about this coverage:

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Return of premium at death

If you have not made any claims for critical illness before you pass away, the premium will be paid to your beneficiary or estate.

E

Income

If you are diagnosed with one of the conditions listed above, you may be unable to work, either temporarily or permanently.  In that event the benefits from this policy can be used to cover medical bills or to replace the income.  In addition, if you have disability coverage, the payment from this policy can be used to cover the balance between your normal income and your benefit amount.

E

Return of premium at maturity

If you have not filed any claim for critical illness and the policy has expired, the premium will be returned to you.

E

Health care

With the financial freedom of this policy, you can implement actions to aid in rehabilitation like a home nurse, specialists, re-equipping your home, etc.