It happened to these people, it could happen to anybody

Most home buyers purchase life assurance when they arrange a mortgage, but only a minority obtains another form of financial protection that they are five times more likely to need before they reach retirement. With the many uncertainties that we are faced with in life, we would want to secure it by preparing for the unexpected. Critical Care Insurance policy helps protect your savings by taking care of your medical expenses during those trying times, so that your savings can be utilized in the way you had initially planned. It also offers financial support to help you cope with the lifestyle changes that you need to make post a critical illness or major accident, by offering you a lump-sum benefit of the entire sum insured on first diagnosis

Why Critical Illness?

Today’s lifestyle: Long working hours, stressed environment, erratic food habits, eating outside regularly (mostly junk food), less sleep and polluted surroundings.

Result – Can lead to High Blood Pressure, Cholesterol, and other lifestyle diseases such as Heart Attack, Cancer, Kidney and other organ failures.

Medical facilities: Advances in medical science leads to early diagnosis, quick treatment and subsequent cure.

High cost of medical treatment, changes in post-operative lifestyle (e.g. certain modifications that may be required in the house in case of paralysis / stroke).

Effect on working capacity
Need to go abroad for further medical treatment

The good news is that medical advances mean more people than ever are surviving conditions that might have killed earlier generations. For example, more than 90pc of men diagnosed with testicular cancer are still alive five years later, while more than 80pc of women diagnosed with breast cancer have the same survival rate, according to the Office for National Statistics.

Critical illness cover can provide cash to allow people to pursue a less stressful lifestyle while they recover from illness, or use it for any other purpose.

But with one in every five claims for critical illness cover for breast cancer, and about 46,000 people diagnosed each year, now is the time to make sure you have the right protection.