Critical Illnesses

Critical Illnesses

If you’re diagnosed with cancer, heart attack, stroke, need a transplant or any other critical illness and have to be treated or hospitalized, do you have the financial resources to pay for those expenses? The insurance for critical illnesses helps to cover the extraordinary expenses associated with these unexpected medical conditions. This policy differs from a traditional health or disability insurance. It’s a perfect complement to your financial plan and can pay benefits in one of two forms:

• Indemnification in case of a positive diagnosis.
• Reimbursement of treatment expenses.

Long-Term Care

As we age, the probability of needing assistance for our daily chores increases. If you’re worried that you might need special assistance in the future and don’t want to become a financial burden for your family, consider a Long-Term Care Policy. This policy helps you cover expenses that are excluded from most medical plans and government aid programs, such as Medicare. In addition it covers, in whole or in part, the following costs:

• Nurse, companion, or housekeeper.
• Home care, day care, nursing home or hospice.

Long-term care insurance also gives you the alternative of paying for the care of your parents and other close relatives.