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Critical Illness Insurance

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Critical Illness Insurance

Critical illness insurance is a type of health insurance that pays a lump sum amount if you are diagnosed with a covered critical illness. Unlike regular health insurance, which reimburses your medical expenses, critical illness insurance allows you to use the money for any purpose, such as paying off debts, replacing lost income, or covering out-of-pocket costs.

Why do you need critical illness insurance?

According to the WHO, non-communicable diseases (NCDs) such as cancer, heart disease and diabetes are the leading causes of death and disability worldwide. These diseases can significantly impact your physical, emotional, and financial well-being. While regular health insurance can cover some of your medical bills, it may not be enough to cover all the expenses associated with a critical illness.

How does critical illness insurance work?

Critical illness insurance works simply. You pay a monthly or annual premium to the insurance company, and in return, you get a lump sum if you are diagnosed with a covered critical illness. The amount and the number of covered illnesses vary depending on your chosen policy.

How much does critical illness insurance cost?

It depends on several factors, such as:

Your age
Your gender
Your health status and medical history
Your lifestyle habits
The amount and duration of coverage
The number and type of covered illnesses

How our company’s critical illness insurance can protect your family and loved ones

A critical illness can affect you, your family, and your loved ones. You may worry about how they will cope emotionally and financially if something happens to you. That’s why our company’s critical illness insurance can protect your family and loved ones in a worst-case scenario. Our policy can help you:

Provide for their living expenses
Cover their education or childcare costs
Secure their inheritance or legacy
Ease their burden or stress
Give them peace of mind

Click And Learn

Retention & Recruitment

Commitment towards employees

Employee assistance

Modifications to office

Retention & recruitment coverage

Risk Factors

Most people want to work at organizations where they feel valued when they knock a project out of the park or meet a tight deadline. But they also want to know their company cares about them on a personal level. If they don’t feel valued, they might start losing interest.

Solution

Since many organizations don’t offer vision benefits as part of their healthcare package, providing them at your company can give you a leg up in recruiting and retention efforts. Prospective and current team members will see you’re willing to go the extra mile for them, giving you a better sales pitch for promising new talent and potentially making valuable employees more likely to stick around for the long haul.

Commitment towards employees coverage

Risk Factors

With a vast array of voluntary benefits on the market and a number of companies willing and eager to sell them, people are understandably worried about making the right choice.

Solution

Employees know that their employer has vetted the carrier and considered the available benefits with their plans being offered at the workplace. Voluntary insurance also pays financial benefits regardless of any other insurance coverage employees have in place, including policies available through government health care exchanges.

Employee assistance coverage

Risk Factors

Every person has a bad or an emotional phase because of various reasons. There might be instances where someone from their family needs medical help or care.

Solution

You should assist employees and their families in dealing with critical illness's physical, emotional, and financial impact, showing other employees how much you care during their time of need.

Modifications to office coverage

Risk Factors

You may need to make a wheelchair ramp at your office because of someone's medical condition or disability.

Solution

Critical illness covers nursing care costs, adapting the home to accommodate a new disability or other essential needs.

Personal Possessions Coverage

Risk Factors

You mastered the basics of surfing during lessons in Hawaii but your wedding ring is stolen.

Solution

With personal possessions coverage, lost jewellery is covered up to your policy limits.

Already have Critical Illness Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.

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Critical Illness Insurance

Critical Illness Insurance

Why do you need critical illness insurance?

How does critical illness insurance work?

How much does critical illness insurance cost?

How our company’s critical illness insurance can protect your family and loved ones

Click And Learn

Retention & recruitment coverage

Risk Factors

Solution

Commitment towards employees coverage

Risk Factors

Solution

Employee assistance coverage

Risk Factors

Solution

Modifications to office coverage

Risk Factors

Solution

Personal Possessions Coverage

Risk Factors

Solution

Already have Critical Illness Insurance? Switching is easy

Get Personalized Insurance

Personal

Business

Employee Benefits

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