CRITICAL ILLNESS
INSURANCE
Critical illness insurance is a type of coverage that provides a lump-sum payment if the insured is diagnosed with a covered serious illness, such as cancer, heart attack, or stroke.
This financial support is designed to help with the unexpected costs associated with a critical illness, such as medical treatments not covered by health insurance, rehabilitation, home modifications, or lost income.
Unlike traditional health insurance, which reimburses medical expenses, critical illness insurance gives policyholders the flexibility to use the payout as they see fit, whether for medical bills or day-to-day living expenses.
It is an essential safety net for those seeking financial stability during a challenging health crisis, ensuring focus on recovery without the added burden of financial stress.
DISABILITY
INSURANCE
Disability Insurance is a form of income protection that provides financial support if you become unable to work due to a disabling illness or injury.
It replaces a portion of your income, typically ranging from 50% to 70%, helping you maintain your standard of living and meet ongoing expenses such as rent, mortgage payments, or daily living costs.
Disability insurance is especially important for individuals whose earned income is their primary financial resource, offering peace of mind by ensuring financial stability during periods of recovery.
Policies can vary in terms of coverage, benefit periods, and definitions of disability, allowing individuals to tailor coverage to their specific needs and career circumstances.
PERSONAL HEALTH
INSURANCE
Personal health insurance is a type of insurance coverage that helps individuals manage the costs of medical and healthcare services not fully covered by government. It typically includes benefits for prescription medications, vision care, dental treatments, paramedical services like physiotherapy or chiropractic care, and hospital accommodations.
It is especially valuable for self-employed individuals, retirees, or those without group insurance coverage, offering peace of mind and greater control over healthcare choices.