Unforeseen events happen at any time. Because of this, it is important to have serious illness insurance to be financially prepared.
Unforeseen events can happen to anyone, at any time – especially concerning health problems. Because of this, it is important to have serious illness insurance to be financially prepared in case you face any of them.
This modality has even won more and more fans.
What does serious illness insurance cover?
This coverage is not a basic item in insurance, but additional protection.
To be entitled to benefit from the indemnity, you must be diagnosed with a serious illness after the grace period of the plan.
See below which situations are part of the policy.
Several different types of cancer are covered by this insurance modality, such as leukemia and malignant diseases in the lymphatic system.
On the other hand, there are some exceptions in non-invasive diagnoses, among them tumors described as premalignant, prostate cancer in primary stages, malignant melanoma with a low degree of tissue invasion, and malignant tumor in the presence of any human immunodeficiency virus.
Also known as a stroke, this is another type of disease covered by disease insurance.
It is worth mentioning, however, that the neurological symptoms cannot have been caused by migraines or the hemorrhage caused by accidents, brain tumors, obstruction of the ophthalmic artery, or brain surgery.
Acute myocardial infarction
If you suffer a heart attack, you will be entitled to receive the insurance claim.
Only in the diagnoses of angina pectoris (caused by the low supply of oxygen and nutrients to the muscle), decubitus angina (usually considered as a heart failure process), and other acute coronary syndromes that this benefit is not granted.
This is a procedure used in bariatric surgery, in which gastric stapling is performed to restrict food intake.
It is covered by insurance, as long as it is not caused by surgery with closed-trunk surgical catheters, angioplasty, and other intra-arterial procedures or non-surgical techniques.
The insurance also guarantees the payment of compensation in other serious cases, such as:
- Alzheimer’s disease ;
- limb paralysis;
- organ transplant (heart, marrow, liver, kidneys, pancreas or lung);
- partial or temporary disability;
- special anticipation for incurable disease;
- personal accidents and medical, hospital, and dental expenses.
Why you should buy serious illness insurance?
This is the first type of insurance you can count on to help pay for treatments, transportation, and medications that not even health plans cover.
It is interesting because it has a low monthly fee and guarantees financial protection in several complicated situations.
Why worry about unforeseen events if you can prevent them? Take a good look at the coverage offered by serious illness insurance and choose your policy.