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Jane (not her real name), had bought a lot of insurance. She is well insured with Medical Insurance, Total Permanent Disability Insurance, Life Insurance, and of course the 36 Critical Illness Insurance. Usually, these insurance policies are adequate for most individual, or rather the foundation of a comprehensive insurance coverage. Being a 35 year old woman, she exercises regularly and eat a balance diet. She is a very healthy person. However, one can never predict risks. One day she went for her routine medical examination. Her Blood test report shows an increase of white blood cell count. Alarmingly, the doctor did another specific test to find out the cause of the raised count. True enough, there was an early stage cancer cell detected in her colon. It is call “Carcinoma-in-situ”, a term for very early stage cancer which has a 80-100% chance of cure.

Naturally, she did what most people would do, going for a second opinion with a specialist before taking any further action. Again, like what most people would do, the first person she looked for was her insurance advisor. You might wonder if the medical fees are covered by the insurance. But, buying air ticket, booking for a hotel room, taking unpaid leaves, and buying supplements or medication if need be, are not covered under the medical insurance unless there is hospitalization and treatment done. Now, usually most people would not read the policy terms and condition of the insurance because they trust their agent or advisor. Even if they do read them or after being told to when they first bought them, they might have long forgotten. So, Jane was expecting her medical insurance to cover those miscellaneous expenses incurred. She was upset and disappointed.

However, this will not be the case if she have bought this particular insurance policy called, “The Early Stage Critical Care”. With this, you will have already filled in the gaps of a complete insurance package. Thus saving lots of heartache and ease financial burdens for you. How this plan works? This policy pay off an initial sum of money once the policy owner is diagnosed with any one of the early stage critical illnesses.

This includes :

  • Early stage cancer – Carcinoma-in-situ
  • Stroke – Brain Aneurysm Surgery or Cerebral Shunt Insertion
  • Heart Attack – Cardiac Pacemaker or Defibrillator Insertion.
  • Other serious coronary Artery Disease – Early Coronary Disease, Pericardectomy(By pass surgery)
  • Heart Valve Surgery – Percutaneous Valvuloplasty
  • Lung Disease – Severe Asthma
  • Liver Disease – Liver Surgery
  • Parkinson’s Disease – Early Stage Parkinson’s
  • Coma – Coma for 48 hours.
  • Bacterial Meningitis – Bacterial Meningitis With Full Recovery.
  • Etc.

These are only a few selected list under the early stage critical care package. There are 92 types of coverages under this policy. Therefore your expenses on air ticket for second opinion, hotel stays, supplement and medication and other expenses including consultations fees are covered with the initial lump-sum pay out. Besides, this policy pays for medium and high severity stages of an illness too. Which means 3 different stages of an illness are covered in the event of any one of the listed illnesses occur. Enlightened? if you wish to know more about how this early stage critical cover can fill in your gaps and how this policy will work for you, leave a comment or contact me here. I’ll be at your service in no time.



About the Author Edgar Pong

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