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Health insurance coverage is something that most people need to have to take care of themselves and their families. It is a necessity with the high cost of medical care under just the ordinary expenses of expected illnesses and injuries. Critical illness and disease can throw a strain on even the best of health care plans and a family’s finances but stack up multiple occurrences and the need for critical illness insurance quotes becomes self-evident.
The latest statistics available for cancer and heart attacks list some of the following occupations as having a higher than average risk for cancers: airplane pilots, lifeguards, painters, rubber workers and people with desk jobs.
For heart attacks the following are the top 5:
1. Community and social services:
2. Transportation and material moving:
3. Architecture and engineering:
4. Building and grounds cleaning and maintenance:
5. Personal care and service:
Critical illness insurance is frequently offered by employers but less frequently selected as an option and yet with the costs associated with cancers and heart attacks that is surprising. A study done some years ago indicated that at that time between 40% and 60% of personal bankruptcies were as the result of medical bills. Medical bills like those associated with multiple critical illnesses.
These two illnesses with their attendant treatment can frequently stress the finances of a family because of the other expenses associated that are not always covered by regular health insurance plans. While health insurance may cover the cost of the hospital for the patient the spouse or family is left to cover travel and lodging expenses for themselves if the care and treatment is provided in a distant city.
So how does this insurance product work? The typical critical illness insurance policy will pay the insured a lump sum upon diagnosis of the illness or attack to help with the expenses. The cost of these policies are determined by the insured’s sex, age, health and family history.
Medical expenses that may overwhelm the patient’s health insurance and finances. These funds may be used by the insured in any way that they choose but are frequently used for treatments not covered by insurance, daily living expenses due to the insured’s inability to work. Often used for travel and the stay of family member’s while the insured is treated and sometimes for a recuperative vacation.
The provision of additional voluntary critical illness insurance coverage by employers cannot be overstated as employees are deeply concerned about the welfare of their families in the event of critical illnesses. It is impossible to place a dollar value on peace of mind and an employer who provides these coverages understands that.
At ConsumerCoverage information about critical care insurance policies is available. There are several companies that provide this sort of coverage and another possible help in the event of a critical illness disability insurance.
Though critical illness insurance is relatively inexpensive and does not specify how the insurance pay out must be spent, it has been criticised because the definition of covered illnesses can be narrowly applied and if your illness is not diagnosed as required by the policy you can be denied payment.
ConsumerCoverage.com has insurance coverage of all types including health insurance for disabled under 65. In fact, this internet source is a hub of personal insurance products including health, home/ renters, life insurance both term and whole life and all types of vehicle insurance.
Health insurance coverage is something that most people need to have to take care of themselves and their families. It is a necessity with the high cost of medical care under just the ordinary expenses of expected illnesses and injuries. Critical illness and disease can throw a strain on even the best of health care plans and a family’s finances but stack up multiple occurrences and the need for critical illness insurance quotes becomes self-evident.
The latest statistics available for cancer and heart attacks list some of the following occupations as having a higher than average risk for cancers: airplane pilots, lifeguards, painters, rubber workers and people with desk jobs.
For heart attacks the following are the top 5:
1. Community and social services:
2. Transportation and material moving:
3. Architecture and engineering:
4. Building and grounds cleaning and maintenance:
5. Personal care and service:
Critical illness insurance is frequently offered by employers but less frequently selected as an option and yet with the costs associated with cancers and heart attacks that is surprising. A study done some years ago indicated that at that time between 40% and 60% of personal bankruptcies were as the result of medical bills. Medical bills like those associated with multiple critical illnesses.
These two illnesses with their attendant treatment can frequently stress the finances of a family because of the other expenses associated that are not always covered by regular health insurance plans. While health insurance may cover the cost of the hospital for the patient the spouse or family is left to cover travel and lodging expenses for themselves if the care and treatment is provided in a distant city.
So how does this insurance product work? The typical critical illness insurance policy will pay the insured a lump sum upon diagnosis of the illness or attack to help with the expenses. The cost of these policies are determined by the insured’s sex, age, health and family history.
Medical expenses that may overwhelm the patient’s health insurance and finances. These funds may be used by the insured in any way that they choose but are frequently used for treatments not covered by insurance, daily living expenses due to the insured’s inability to work. Often used for travel and the stay of family member’s while the insured is treated and sometimes for a recuperative vacation.
The provision of additional voluntary critical illness insurance coverage by employers cannot be overstated as employees are deeply concerned about the welfare of their families in the event of critical illnesses. It is impossible to place a dollar value on peace of mind and an employer who provides these coverages understands that.
At ConsumerCoverage information about critical care insurance policies is available. There are several companies that provide this sort of coverage and another possible help in the event of a critical illness disability insurance.
Though critical illness insurance is relatively inexpensive and does not specify how the insurance pay out must be spent, it has been criticised because the definition of covered illnesses can be narrowly applied and if your illness is not diagnosed as required by the policy you can be denied payment.
ConsumerCoverage.com has insurance coverage of all types including health insurance for disabled under 65. In fact, this internet source is a hub of personal insurance products including health, home/ renters, life insurance both term and whole life and all types of vehicle insurance.