Critical Illness Insurance
Critical illness insurance is a safety net against potentially lethal ailments. Cigna’s scheme is praiseworthy in offering coverage for 36 distinct illnesses. Your bank or financial advisor will diligently provide the details of these, tailored to your needs.
36 Critical Illness
36 covered ailments: Stroke, Coma, Non-invasive Cancer, Third Degree Burns, Heart Attack, Multiple Sclerosis, Coronary Artery By-Pass Surgery, Paralysis of Limbs, Serious Coronary Artery Disease, Muscular Dystrophy, Angioplasty and Coronary Artery Disease, Alzheimer’s Disease, Dementia, Heart Valve Surgery, Motor Neuron Disease, Fulminant Viral Hepatitis, Parkinson’s Disease, End-Stage Liver Failure, Terminal Illness, Primary Pulmonary Arterial Hypertension, Encephalitis, End-Stage Lung Disease, Benign Brain Tumor, Kidney Failure, Major Head Trauma, Surgery to Aorta, Bacterial Meningitis, Chronic Aplastic Anaemia, Medullary Cystic Disease, Major Organ/Bone Marrow Transplant, Brain Surgery, Blindness, Loss of Independent Existence, Deafness, HIV Infection Due to Blood Transfusion, Loss of Speech and Cardiomyopathy.
Other Related Products
Below are two of the most popular products to ensure that your health is protected against any unwanted illness or injury.
90 Days Waiting Period
The 90-day waiting period is a crucial aspect of Cigna’s insurance policy. It denotes that any claim made for a critical illness within the first 90 days of policy inception may not yield the intended benefits. This period allows the insurance coverage to properly set in, ensuring a beneficial payout when you’re faced with a medical crisis. Knowing this in advance clarifies expectations and lets you plan your better healthcare.
Health Insurance for Smokers
An often overlooked fact is that, whilst it can be challenging for smokers to secure health insurance, it’s far from an impossibility.
As a policyholder of the 50 critical illness cover, you’re assured of a calm mind knowing that your medical treatment expenses and financial burden on your loved ones are taken care of, even if you contract one of the 14 additional illnesses like Aplastic Anemia, Severe Rheumatoid Arthritis, or Chronic Relapsing Pancreatitis, to name a few.
50 Critical Illness Cover
50 critical illness means that you will be covered for 50 critical illnesses, which is more comprehensive than 36 critical illness. So, you will be worry-free about medical treatment expenses and financial burden on your loved ones in case anything happens. Most of the coverages are identical to 36 illness cover, however, these are the 14 additional illnesses Stroke Requiring Carotid Endarterectomy Surgery, Cerebral Aneurysm Treatment, Endovascular Coiling, Aplastic Anemia, Total and Permanent Disability, Severe Rheumatoid Arthritis, Lupus Nephritis from Systemic Lupus Erythematosus, Apallic Syndrome, Multi Root Avulsions of Brachial Plexus, Poliomyelitis, Surgery for Idiopathic Scoliosis, Chronic Relapsing Pancreatitis, Necrotizing Fasciitis and Gangrene, Progressive Scleroderma or Diffuse Systemic Sclerosis/Scleroderma and Severe Ulcerative Colitis or Crohn’s Disease.
Here at the Thaiger, we aim to make the whole process of purchasing critical illness insurance easier and more convenient for you. Whether you are an individual, family, or group. We understand that you expect to get great value when it comes to critical illness insurance, and we are here to help you make sure that your money is invested in the best critical illness plan in the local market.
How Can Critical Illness Insurance Protect You From Financial Problems?
A serious disease comes with several costs that go far beyond treatment and hospital stays. Recovery also involves dealing with massive costs associated with extended care, medication, or loss of income.
Critical illness insurance serves as an essential backup, providing financial safeguards when dealing with severe health issues. Cigna’s critical illness coverage falls into this category. It delivers monetary security against unforeseen expenses linked with serious illnesses. Given a situation of a critical illness, this insurance plan reduces the financial burden by comprehensively managing out-of-pocket costs not addressed by your primary health insurance.
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Why Is It Important to Get Critical Illness Insurance?
You may be wondering why you need to get critical illness insurance when you already have health insurance. Below, we have listed several reasons why you should consider getting critical illness over health insurance.
Critical Illness Cover for Heart Attacks
Heart attacks are one of the most common severe health problems covered by critical illness insurance and is advised especially important as a health and financial precaution for people with heart disease, those with a family history of heart conditions, and those over the age of 60.
However, if you fall into one of these categories or simply want to ensure that you and your loved ones are taken care of in any case, purchasing critical illness coverage for 36 or 50 illness will provide you with the peace of mind that financial protection provides.