Insurance policies refer to an optional investment in health that refers to the coverage and monetary gains. There are various types of insurance today that people can avail of like life insurance, death insurance, house insurance, car insurance, health insurance and so on. If you have been into insurance for so long, you will know that its not just about getting insurance for the sake of being insured but finding the best ones that will actually suit your needs and make your money’s worth. Because insurance has never been cheap.
Critical illness insurance refers to a different type of insurance that covers an age group. illnesses and conditions that are not normally covered by the regular health insurance policy. It’s a different premium insurance that people get especially if they fall under the category. The main reason is to be covered on the hospital costs that sometimes will cost too much in the long run. For more information, visit the link https://www.blue.com.hk/en/wecare-critical-illness-protection-plan-1.
What are the types of critical illnesses: There are many types of critical illnesses that are out there. And it’s important to know that with how customized insurance is that not all insurance policies will cover all critical illnesses. This is very important information that one needs to know because why would you get one in the first place if you’re not covered right? Below are just samples of the critical illnesses that are covered by most insurance providers but just for good measure its better to ask.
- Total and permanent disability
- Graft surgery of the Aorta
- 3rd-degree burns
- Progressive supranuclear palsy
- Speech loss
- Parkinson’s disease
- Paralysis of limb
- Coronary artery by-pass grafts
- Bacterial meningitis
- Aplastic anemia
- Heart valve repair or replacement
- Major organ transplant
- Loss of foot or hand
- HIV infection
- Spinal stroke
- Liver failure
- Multiple sclerosis
- Motor neuron disease
- Systemic lupus erythematosus
- Open heart surgery
- Primary pulmonary hypertension
- Brain tumor (benign)
- Eyeball removal
- Cardiac Arrest
- Kidney failure
- Creutzfeldt-Jakob disease (CJD)
- Dementia including Alzheimer’s disease
- Heart attack
- Multiple system atrophy
- Respiratory failure
- Traumatic brain injury
Where to get one: Getting one is actually tricky since critical illness coverage varies from one policy to the other. Thus insurance shopping is necessary in order to end up with the best one for you. Aside from that you also need to consider the cost and the reliability of the insurance provider just to be sure that when the time comes when t will be needed it won’t be that hard claiming it or availing it.
Critical illness insurance is a different type of insurance that aims to cover critical illnesses that aren’t covered in various insurance. What you need to know is that insurance is a very customized setup that in order to get the best one you really need to do your homework. For the best digital insurance companies hong kong for critical illnesses visit the link.