While health insurance protects you from various exorbitant medical expenses, it doesn’t completely shield you from going into medical debt. You may even find that it isn’t sufficient to protect your finances. Worse yet – you don’t want to find this out until after you have an emergency medical situation. If you want more extensive coverage and the assurance of financial security following a devastating health crisis, critical illness insurance is the policy for you.
Under certain circumstances, critical illness insurance policies cover specific conditions and health events. This is not a one-size-fits-all policy or a replacement for health insurance. This is meant to be a policy for you to have alongside your existing health or life insurance.
Critical illness policies typically cover such conditions as:
However, a policy may have specific parameters, such as only offering coverage for certain forms of cancer or only covering a stroke or heart attack if it’s the first one a person has. Coverage may also depend on factors such as whether cancer has spread, how many days the person has had a condition, or how many days a person has lived past a terminal illness diagnosis.
Cost is dependent on multiple individual factors, including:
Age and gender indicate life expectancy, and family medical history gives your insurer an idea of the risk that you will suffer a certain medical event.
The shorter life expectancy you have and the greater risks for developing certain illnesses, the higher your premiums will be.
Premiums will also be higher if you choose to have a higher coverage amount and if you want to be insured for more conditions under your policy.
This is a good policy for anyone who:
The Health Insurance Value brings you coverage that will rescue your finances after dire medical emergencies, allowing you to focus on living and recovering rather than the anxiety of attempting to cover seemingly insurmountable medical expenses.
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