As women, we have many responsibilities. The most important responsibilities we have are that we must provide and care for our children and family and maintain good health. Women have unique health issues and are at higher risk than men for certain health problems. Ladies have uterine and cervical cancer to watch out for and have a higher incidence of Alzheimer’s disease. Some of these health issues could become critical. It is good to have health insurance, but standard health insurance cannot provide the complete coverage you need for you and your family. Critical illness insurance can protect your family from undue financial stress when you are in critical care.
Your husband may rely on you to maintain your home and go to work. Your children rely on you for all of their needs—a shoulder to lean on, a home to live in, food on their plate. You cannot risk their well-being if you fall critically ill. You would want to keep their lives as normal as possible during your recovery. The stress of bills piling up, losing your home from late or missed mortgage payments, and lost income is a burden no one should bear. Health insurance would not cover any of the above and may leave you with deductible and/or co-insurance payments, not to mention any medical bills from whatever your policy does not cover. Critical illness insurance would cover that and more.
Critical illness insurance pays you a lump sum upon a critical illness diagnosis. There are no restrictions on how these funds are used. You can pay for medical bills, mortgage, deductibles and/or co-insurance, non-covered medical treatments, and cover lost income. So, even when you are in physical dire straits, you can still secure your finances and maintain your family’s well-being. This would allow you to recover without overwhelming responsibility nibbling at your feet. You could focus squarely on your recovery. It is a sound decision and a wise investment for both you and your family.
You might be wondering how much coverage you need. To give yourself a realistic figure, you should take stock of your health insurance, your bills, and your family’s needs. How much does your health insurance cover? Would you have to pay out-of-pocket? How much income would you lose? What bills would you have to cover? How much would you need to be able to provide for food and shelter? Once you have answered these questions realistically, you could insure yourself with more than adequate cover at an affordable price.
The future is uncertain and insurance is your safety net. Critical care insurance is protection for your family and sanity for you. Don’t sell yourself short. You are an important person in your family’s life and you deserve the best critical care available. Be certain that you have done everything in your power to provide for and protect your family. Ensure that your family is well taken care of while you are being taken care of. Take control of your future, your health now so that you won’t be sorry later.