Critical Illness

When it comes to your health, you can do everything in your power to protect yourself and sometimes it still is not enough.

People strive to make the right choices for themselves and their families – eating properly, being active, refraining from harmful substances – and still face serious health crises at various times. Usually they are completely unexpected. If you’re not prepared, they can cause not a physical burden but a financial one as well.

What is a Critical Illness?

Things like heart attack, stroke, and cancer can conjure up some scary images. This can leave you in a real financial pickle. We like to think that it will never happen to us. The hard truth is that no one is immune, and it’s better to be ready if it never happens than to be caught off guard.

The American Cancer Society says that about one in three Americans will be diagnosed with cancer at some time in their lives. The American Heart Association reports that more than one million heart attacks take place each year in the United States.

Those numbers are some really good reasons for taking a look at supplemental insurance for yourself and your family to cover the costs that can result from these health challenges. Many insurers have plans specifically for what they call “critical illness.” They can pay benefits directly to you at a crucial time.

What Does a Critical Illness Plan Cover?

A critical illness plan may cover costs related to cancer treatments, heart attack, or stroke among other things. You can choose which family members need
coverage or just cover the entire family. Depending on the specifics of the plan, you can receive lump-sum benefit payments when you are diagnosed with cancer, a heart attack or a stroke.

Critical illness insurance can also provide recurrence benefits. Everyone who has survived a critical illness knows very well that it can come back. Cancer survivors are at risk of seeing the return of the original cancer as well as the development of new cancer, according to the American Cancer Society. Nearly one-fourth of all heart attacks and strokes are recurrences, according to the American Heart Association.

A good critical illness plan will protect you the second time around as well as the first. Critical illness policies vary in what they cover, and BeneTrend writes for multiple carriers, so we can get your family the best policy for you. You will also have coverage for a recurrence diagnosis even if your other insurance stops paying, because these benefits are in addition to whatever other coverage you might have.

That means extra help with copays and coverage gaps that could arise with major medical insurance. You get benefits paid directly to you, so you have no need to deplete your savings, drain your retirement account or go into debt.

Talk to one of the professionals at BeneTrend Partners and learn how you can face the future with less worry, no matter what may happen.

Contact us

Contact Us

BeneTrend Partners

312 Crosstown Drive, #184
Peachtree City, GA 30269

Office (770) 719-1717


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