Should you pay more to enjoy critical illness cover with life assurance? The answer is No. Most of the insurance companies offering life assurance policies usually offer comprehensive critical illness cover to their clients at no extra cost. However, you will need to ensure that your selected policy provides this cover.
Here are some of the benefits of having critical illness cover.
Peace of Mind
Health complications can arise at any time without warning. The medical bills can affect your financial capability, especially when dealing with serious illnesses. Luckily, health cover provided by life assurance policies can cater for the bills. This means that you will not have to pay a penny extra unless the total amount exceeds the agreed figure in the agreement. More importantly, you will have peace of mind as you carry out your daily activities knowing that your life and health is in safe hands.
Access to Quality Health Care Services
Cost sometimes hinders people from accessing quality and modern health care services when faced with critical illness that cannot be treated using conventional medical equipments. One sure way of cushioning yourself from such scenarios is by taking up a comprehensive and long term life assurance. Most insurance companies partner with the best healthy facilities that are accredited and recognized for their top notch services. Hence, you will access quality medical services at any time as long as your policy is active.
Free Preventive Care
This basically entails provision of vaccines, screening and check up. In some parts of the world, it is mandatory to get vaccinated against various diseases when traveling. This can increase your travel expenses significantly as you will have to forego some privileges if you were not aware of the restrictions. Life insurance cover will come in handy in such situations and ensure that your plans are not altered by clearing the bills on your behalf.
Get Compensation
Gone are the days when you had to incur losses when you don’t attend your daily business activities due to illness. The insurance company will come in and compensate you. This will in turn ensure that your financial capability is not compromised even after applying for re-mortgage or paying for mortgage advice consultation services.
Based on these facts, life assurance is indeed important to all age groups. Critical illness cover is relatively affordable and flexible for all. There is no need to pay extra for this cover; selecting a policy that provides this cover is just enough to ensure that you are protected from critical illnesses and related eventualities.
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