Accident & Critical Illness
Accident and critical illness insurance is essential for providing financial protection and peace of mind in the event of unforeseen health emergencies.
Accident Insurance
- Accidental Death Benefit: Provides a lump sum payment to beneficiaries in the event of the insured's accidental death.
- Disability Coverage: Offers financial assistance in case of total or partial disability resulting from an accident, helping to replace lost income.
- Medical Expense Reimbursement: Covers medical expenses incurred due to accidents, including hospitalization, surgery, and rehabilitation.
- Emergency Medical Transportation: Covers the cost of ambulance services and other emergency transportation required due to accidents.
- Accidental Dismemberment Benefit: Provides a benefit if the insured suffers the loss of a limb or eyesight due to an accident.
- 24/7 Coverage: Offers around-the-clock protection, ensuring financial support is available whenever an accident occurs.
- No Health Questions: Typically, no medical exam or health questions are required to apply for accident insurance, making it accessible to individuals of varying health statuses.
- Supplemental Coverage: Can complement existing health insurance by providing additional financial support for accident-related expenses not covered by primary health insurance.
- Portable Coverage: Coverage remains in effect even if you change jobs or retire, providing continuity of protection regardless of employment status.
- Flexible Benefits: Some policies offer customizable benefits and coverage options to suit individual needs and budgets.
Critical Illness
- Lump Sum Payout: Provides a lump sum payment upon diagnosis of a covered critical illness, regardless of whether the insured survives or not.
- Coverage for Major Illnesses: Typically covers major illnesses such as cancer, heart attack, stroke, and organ failure, among others.
- Financial Protection: Offers financial support to help cover medical expenses, rehabilitation costs, and daily living expenses during recovery.
- No Restrictions on Usage: The lump sum payment can be used at the policyholder's discretion, whether to cover medical bills, mortgage payments, or other financial obligations.
- Additional Benefits: Some policies may offer additional benefits such as coverage for minor illnesses, partial disability, or recurrence of the same illness.
- Family Coverage: Provides protection not only for the insured but also for their family members, offering peace of mind for the entire household.
- Survivorship Benefit: Offers a benefit if the insured survives for a specified period after the diagnosis of a critical illness, providing additional financial support during recovery.
- Accessible Coverage: Critical illness insurance is often available without the need for a medical exam, making it accessible to individuals with pre-existing conditions.
- Renewable Coverage: Some policies offer the option to renew coverage or convert to a different type of policy at the end of the term.
- Peace of Mind: Provides peace of mind knowing that you and your loved ones are financially protected against the potentially devastating costs of critical illnesses.
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