Why having a critical illness insurance maybe a healthy move
PNB MetLife 11-11-2016 03:41:28 PM
Most of us are keen on investing in vacations or buying a fancy new car in the near future. But we tend to overlook health insurance which can be of utmost importance anytime in the future. Health insurance in India is most sought after for a host of illnesses but seldom people think about a critical illness insurance cover. Read More
Cancer is one of the critical diseases which can affect a person’s well-being as well as finance and future life plans. To make sure we cover this critical illness, we should emphases on investing in Cancer specific health insurance plans, or general insurance plan. Health insurance in India is designed to cover your medical care costs, right from hospital visits to emergency surgery. Comprehensive critical illness insurance plans typically cover major critical illness. Thus, to be on a safer ground and safeguard yourself from the possibility of Cancer, it is wise to consider a disease-specific policy.
One can buy a cancer insurance for himself which provides a partial coverage if diagnosed with cancer. Usually, a cancer specific policy may cover a number of expenses related to the treatment or diagnosis, covering hospitalization, chemotherapy, radiation, surgery, nursing, antitheses, blood transfusions &medications. Thus, it is vital to buy cancer specific insurance beforehand to avail all these cancer specific medical treatments, as one cannot buy Cancer insurance if already diagnosed.
Depending on the type of policy purchased, the policy benefits of the health insurance plans vary in terms of providing monetary aid. It can be paid out as a person files claims for the services or as a lump sum when he is diagnosed. Cancer ranks among the top causes of death all over the world, safeguarding oneself with a policy can be a wise move in the long run.
The aforesaid article presents the view of an independent writer who is an expert on financial and insurance matters. PNB MetLife India Insurance Co. Ltd. doesn’t influence or support views of the writer of the article in any way. The article is informative in nature and PNB MetLife and/ or the writer of the article shall not be responsible for any direct/ indirect loss or liability or medical complications incurred by the reader for taking any decisions based on the contents and information given in article. Please consult your financial advisor/ insurance advisor/ health advisor before making any decision.
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