How to Take Care of Someone with Critical Illness

Posted by amrina alshaikh on September 25th, 2019

Any family can encounter critical illness of any of the members of the family. In order to resolve the crisis, the first thing that comes to mind is care. And with care comes the thought of taking medical care through health insurance policy and critical illness insurance. Health insurance provides health insurance policy. Apart from that there is a policy to take care of critical illness to be covered under critical illness insurance.

Any accident or disease or sickness requires medical attention. Depending on the type of affliction and the seriousness of the issue, one has to decide about hospitalization. For hospitalization one needs ambulance and once inside the hospital, one needs cash to pay for the expenses. Health insurance policy or critical illness insurance come in handy in these moments of crisis.

We, in today’s world, are very much prone to life-style related diseases. Many people run the risk of dying from some non-communicable disease like cardiac arrest, paraplegia or even carcinogen related ailments like cancer. Though keeping a healthy routine life, regular exercise and balanced diet can keep many ailments at bay, you are never sure when an illness strikes.

Sometimes due to genetic reason, heredity or age a person can fall ill even after keeping a healthy life-style and balanced diet. They may be affected by life-threatening ailments that requires immediate medical care or hospitalization. The treatment in these cases may cost some astronomical amount for a middle-class family.

A critical illness cover might include a lumpsum amount to be paid to the afflicted person or his or her family. The payments are definite and fixed. That’s why a health insurance policy or critical illness insurance is so important for the care of the person who has to undergo a treatment for critical illness.

Most insurers cover a list of critical illnesses. They are about 15 to 20 in number. They include apart from others, cancer, coronary artery disease, bypass surgery, stroke, kidney failure, heart attack, liver transplant, kidney transplant, other organ transplant and so on.

Without a critical illness insurance with proper coverage of critical illness, the family may befall in severe financial constraint. When the misfortune strikes in the size and shape of a critical illness, the only good Samaritan is the health insurance.

A critical illness policy can be purchased from a life insurance company, a health insurance company, or even from a non-life insurance company. Under the life insurance policy, the premium remains constant all through the term.

So it is very much imperative and advisable to take a cover of health insurance or critical illness insurance to ward off the financial cataclysms brought about with the health care and treatment.