Frequently Asked Questions
What is a critical illness?
A critical illness is a life-threatening event that, thanks to the incredible advances in medical technologies, is increasingly survivable. These events include:
- Cancer
- Heart Attack
- Stroke
- Coronary Bypass Surgery
- Angioplasty
- Major Organ Transplant
(including Heart Transplant) - End-Stage Kidney Failure
- Major Burns
- Advanced Alzheimer's Disease
- Paralysis
- Coma
What are the costs associated with critical illness?
There are two basic costs that come with critical illness. First, of course, are the medical expenses, such as hospital bills and doctor bills. These costs are usually covered by standard medical insurance...though too many are not covered. However, there's another, and potentially more devastating, type of cost: the non-medical expenses that have to come out of your own pocket.
These expenses go beyond the obvious deductibles and co-payments. Non-medical costs include the loss of income you or your spouse will experience while unable to work or caring for a sick family member. Other costs include transportation, hotels, special diets, home modifications, and family care.
What is critical illness insurance?
If you're diagnosed with a critical illness, the critical illness insurance offered by Prosurity will help you pay non-medical expenses that most medical insurance plans require you to pay. It also helps cover daily living expenses you'll incur while you're in treatment and recovery.
Why is critical illness insurance so important now?
As you know, a critical illness can be diagnosed at any time, and in even the healthiest of people. The only way to ensure that the illness doesn't rob you of both your physical and financial health is to have both medical and non-medical costs insured.
Our life expectancies are longer these days, and increasing every year, which only adds to our chances of eventually developing a critical illness. Contributing to this is our drastically changing lifestyles, which have led to poorer diets, less exercise, and increased stress. All of these factors make a critical illness much more likely.
Finally, survival rates for critical illnesses have doubled. This is wonderful news, of course, but it also means that more people are left with a great financial burden after their treatments have ended.
What benefits should I look for in a critical illness insurance policy?
Look for an insurance policy that pays benefits regardless of other coverage you have. Premiums shouldn't increase and your critical illness benefits shouldn't be reduced because of your age or medical condition. The policy should be renewable for life.
The critical illness insurance that Prosurity offers meets all of these requirements.
Please complete this form so that a Prosurity agent can contact you regarding your Critical Illness Insurance request.
This information will only be used so a representative can contact you. We will not use this information to promote other products or services.
