How Do I Know If I Need a Critical Care Policy?

By
Services for Real Estate Pros with Independent Insurance Group

Did you know that while your health policy covers medical expenses due to accidents or illnesses, it won't cover the many expenses that come with your long term care?

That's what a critical care policy is for.

A critical care policy basically adds an extra layer of financial protection beyond the regular coverage of a health insurance policy. It's also guaranteed renewable each year and can cover expenses like lost income, deductibles, travel expenses, and ongoing medical treatments. Mortgage payments, debts, and everyday living expenses can also be paid through critical care.

Critical care is a great benefit to those with critical health issues such as cancer, heart attacks, multiple sclerosis, kidney failure, stroke, and major organ transplants.(The factors that make up "critical illness" will vary from different agencies, but they normally include these.)

A critical care insurance policy can give you and your loved ones security during times that already going to be difficult. If you think you might be a candidate, there are steps you can take to find out even more. Start by taking a personal inventory. Do you have a family history of chronic health problems, such as heart failure, stroke or cancer? If so, that could be an indicator that critical care insurance may be an excellent option for you.

Next, consider your personal finances. Do you have the discipline to save money each month to cover long term medical care due to critical illness? And do you have an adequate income to prepare for critical illnesses?

If you are unable to work due to a critical illness, where is your money going to come from?  There are many things to think about when considering a critical care policy, but if and when the time comes, you'll be very happy you prepared for it.

For more information on critical care insurance, contact us today! We're Independent Insurance Agency, based in Lauderhill, Florida. You can also visit our site for a free critical care quote.

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