Cash indemnity allows the insured to use the funds for additional therapies or to compose income.
No one is free from unforeseen circumstances, regardless of age, sex, or economic status. However, there are behaviors that increase the likelihood that a person will be affected by a serious illness or a traffic accident, which compromises the ability to work.
The number of people concerned about health is increasing, but statistics still point a long way towards a healthier life. Various illnesses impose temporary or permanent leave from work, just as traffic accidents leave thousands of young people, in particular, with permanent sequelae.
In this scenario, changing the lifestyle and, in parallel, adopting protection instruments for unforeseen events is essential. There are insurances that include this type of coverage.
Data from the Ministry of Health indicate that, in the USA, an average of 300 thousand people suffer acute myocardial infarction per year. New cases of cancer in 2018, according to the National Cancer Institute, surpassed 500 thousand. Even if you have a health plan, you may need an additional resource for treatment because not everything is covered.
The Serious Diseases insurance, for example, indemnifies the insured person in cash who can use the resources for additional therapies or compose the income.
Serious Diseases insurance indemnifies policyholders for various types of cancer, Alzheimer’s, stroke, and heart attack. The prevalence of these diseases, whether due to an aging population or inadequate habits, has been growing. “Cancer is a multifactorial disease, with an important weight for genetics and family history, but it is also associated with unhealthy lifestyle habits”, comments Ricardo. Obesity, for example, by raising the level of hormones in the body, increases the risks of breast and endometrial cancer.
Smoking, in addition to being associated with lung cancer, also causes neoplasms in the bladder and digestive tract. “The fact is that poor diet, physical inactivity and stress expose the person to various diseases, such as cancer, cardiovascular diseases, and diabetes”, adds Caponero.
Accidents leave thousands of young people with sequelae.
Common sense associates the need for life insurance for older people and dependents, but the product is also important for young people. In addition to diseases such as cancer and cardiovascular diseases also affecting this population, it is the most affected by traffic accidents with temporary or permanent sequelae.
Last year, according to data from the DPVAT, 224 thousand people were left with some kind of permanent disability due to traffic accidents. The most affected age group is 18 to 34 years. There is a wide range of life insurance options, with simplified coverage to suit the younger population. And with the advantage of lower prices, due to the age of the insured.
For accidents or temporary illnesses, life insurance with Temporary Disability Daily (DIT) coverage guarantees the payment of an income in the form of a daily rate while away from work, within the contracted limits. If the insured person dies, the product indemnifies the beneficiaries, who do not need to be children or spouses but can be a father, mother, or anyone mentioned in the policy.