Health insurance is a good way to help you manage your health care costs. Health care in emergencies and at the end of life can be enormously expensive. Health insurance can protect you and your family against financial calamity if you ever get sick.Because health care can be expensive, it’s a smart idea to have health insurance so you’re prepared for when you or your family have medical needs.
Individual and family health insurance plans can help pay for the cost of health care in the case of serious medical emergencies, and help you and your family stay on top of preventative health-care services. Having health insurance coverage can save you money on medical emergencies, routine doctor’s appointments, prescriptions drugs, preventative care and other health-care services. Typical health insurance plans for individuals include costs such as a monthly premium, annual deductible, copayments, and coinsurance.
Critical illness insurance
With regular health insurance plans, you could face considerable out-of-pocket expenses which is why having a critical illness insurance plan can be beneficial. Unlike traditional health insurance, which reimburses the insured or provider for covered claims, critical illness insurance pays you directly if you’re diagnosed with a covered critical illness and there are no copays or deductibles. Your insurer typically makes a lump sum cash payment for serious medical issues such as a heart attack, stroke, and cancer.
Need for Critical Illness Insurance
Most people, being diagnosed with a critical illness can be overwhelming and frightening. Critical illnesses such as heart attacks, strokes and cancer happen every day. These illnesses have serious consequences, both financial and physical. Many people lack the healthcare insurance protection they need when major illness strikes. We believe everyone should have the opportunity to obtain Critical Illness Insurance to help fill the gaps and help cover the costs related to recover from major illnesses.
Critical Illness Insurance provides a lump sum cash benefit paid directly to you upon the first diagnosis of a covered critical illness.
Hospital Indemnity Insurance
Hospital indemnity insurance to help offset hospitalization expenses that may not be covered under existing medical plan.A hospital stay can be expensive. Be ready for costs not covered by your medical plan with hospital indemnity insurance.While most medical plans provide coverage for hospital and medical expenses, they don’t typically cover costs like daily living expenses, childcare, or copays. A critical illness insurance policy can help close the financial gap.
A standard hospital indemnity insurance plan coverage for hospital admission, accident-related inpatient rehabilitation and hospital stays.
Cancer insurance to help offset expenses that may not be covered under existing medical insurance and disability plans.
A cancer diagnosis can mean unexpected expenses such as deductibles, copays, and costs for out-of-network care. And since disability plans only cover a portion of your income, there could be a significant gap between any disability payments you receive and your family’s everyday living expenses like utilities, groceries and rent.
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