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Critical Illness
In the event that you were ever diagnosed with cancer, or suffered a heart attack or stroke, while a worldwide health insurance plan will help cover medical treatment, how would you and your loved ones cope financially? How would you pay ongoing medical expenses or deal with the loss of income because you are unable to work? A Critical illness plan can protect you and your family against the hardships associated with suffering a serious illness.
Critical illness plans protected you and your loved ones by providing a lump sum benefit when you are diagnosed with a serious illness. This lump sum is normally used to help cover the costs of any ongoing medical treatment, lifestyle adjustments (home renovations, medical support equipment) that may be needed because of the illness, or to lessen the financial impact due to lost income because of the diagnosis.
The premiums of a Critical Illness plan are calculated using a number of factors including the policyholder's state of health at the start of the plan, their age, total sum insured, and whether they smoke or not. It is important to note that a Critical Illness plan will not offer coverage for any pre-existing conditions that are present prior to the plan's commencement.
Normally, regardless of a policyholder's general state of health, a critical illness policy can be renewed every year until the normal age of retirement as long as the policyholder has paid their premiums. In many cases when renewing the plan, a policyholder can apply to increase the level of cover, giving you an extra level of control over the plan. Many critical illness plans will give you the option of adding Total and Permanent Disablement cover to protect you in the event of a serious injury.
Major illnesses can cause significant financial hardship in a family especially if the major income provider is the one diagnosed. Critical illness plans can help protect you and your loved ones against the high costs of recovery and the loss of income associated with the illness. Our expert advisers can help to advise you on the many different critical illness plans available. To find out more about critical illness plans or worldwide health insurance, or to receive a free quote on, please fill out the form below and we'll get back to you.
Critical Illness Plan Enquiry
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Recent Questions / Comments:Working with over 55 health insurance companies, Pacific Prime Insurance Brokers can offer a large range of affordable international health insurance plans for individuals and families located in any country of the world, including Austria. Pacific Prime can provide you and your family with a health insurance comparison, including various levels of health insurance coverage and different ways in which you can save on your insurance premium.
Pacific Prime represent many health insurance plans which can offer various premium saving options for members including: Pacific Prime works with many health insurance companies which can offer policy holders the option to contribute to their medical expenses, in order to reduce the cost of their annual premium. Due to various range of health care costs around the world, some health insurance companies will offer members the option to exclude country regions in order to reduce the impact on their premium. 2011-12-08 11:04:37 |
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