Heart Attack Stroke Critical Illness Insurance
Health condition insurance is insurance that pays you for living healthy. Unlike life insurance, you'll get medical assistance in healthcare terms after diagnosis from your doctor instead of upon death. You can choose three different products. It's actually two individual health plans or a combined plan for a more comprehensive coverage when push comes to shove.
One Goal with Three Different Plans
These are the three most common plans you can avail of when it comes to health condition insurance policies. They might differ but they offer one common goal when push comes to shove. You have the cancer, heart attack & stroke, and critical illness insurance plans to avail of.
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The Cancer Insurance Plan: A good cancer insurance plan should provide you with 100% benefit payment once you get diagnosed with a malignant melanoma or an internal cancer. The cancer insurance policy also ensures that adults aged 18 to 89 years old can get a benefit amount of $10,000 to $100,000. It can be given to them upon diagnosis as a lump-sum payment.
In regards to the rates, it ranges from $24 a month payment for $25,000. It could also be $49 a month for the $50,000 package. Again, the covered health conditions by this plan are the following.
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Any internal cancer
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Any malignant melanoma
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The Heart Attack & Stroke Insurance Plan: The heart attack and stroke insurance policy offers $10,000 to $100,000 coverage on the event you're diagnosed with a stroke or heart attack. It also offers financial aid for coronary-related surgeries. By getting the stroke or heart attack diagnosis by a qualified health professional, you'll get 100% of the coverage benefit. If you're recommended to undergo coronary angioplasty or artery bypass surgery, you'll receive 25% of the coverage benefit instead.
It's issued to adults aged 18 years old to 89 years old with a lump-sum payment after diagnosis is conducted. You can pay $22 a month for $25,000 or $45 a month for $50,000. The covered health conditions and services include the following.
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Heart attack
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Stroke conditions
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Coronary Angioplasty Surgery
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Coronary Artery Bypass Surgery
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The Critical Illness Insurance Plan: Many insurance companies typically have the most comprehensive insurance plan that combines cancer and heart attack & stroke insurance together in one plan. In regards to the details of this plan, it includes covering adults aged 18 years old to 89 years old for the benefit amount of $10,000 to $100,000. Additionally, you'll also received as always a lump-sum payment once diagnosed with the indicated conditions or required treatments herewith.
If you die while coverage is active, you can get return of premium. This requires you to pay $61 per month for $25,000 and $123 per month for $50,000. Finally, the covered health conditions and services include the following:
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Stroke
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Paralysis
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Deafness
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Blindness
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Alzheimer’s
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Heart Attack
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CABG Surgery
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PTCA Surgery
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Kidney Failure
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Internal Cancer
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Malignant Melanoma
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Major Organ Transplant
Conclusion
You'll never know what will happen in the future. Therefore, it's best to err on the side of caution and get some health insurance to ensure that you can live a long life without losing your hard-earned money or deteriorating help through insured financial assistance. Why would you avail of this? It's because you probably want peace of mind. You want to deal with future health conditions with the assurance and insurance that your finances will be completely siphoned off.
