Most people relate a Critical Illness Policy with a heart attack or stroke. However these types of policies cover more than just those events. In most cases they will cover for any reason that you are admitted into an Intensive Care Unit (I.C.U.).  Lets talk about the reality of a heart attack/stroke for the section.

The Reality of Heart Disease 

No one likes to think about getting heart disease. But 61,800,000 Americans have one or more types of cardiovascular disease according to current estimates. While you may not be able to prevent the cardiovascular disease, you can protect your finances from it.

Estimations from the American Heart Association suggest the total direct and indirect costs of Cardiovascular Diseases and Stroke in 2002 in the United States to be $329.2 billion. The good news is protection from these costs is available. Heart/Stroke insurance covers a portion of the costs for ambulance, surgery and physicians.

Critical Illness (Heart/Stroke) insurance helps you: 

* Manage the high expenses of treatment 

* Preserve your savings

Why It Is So Important?

It’s unfortunately, but safe to assume that someone in your family or very close to you has received treatment for heart disease or stroke. And you may know first hand the ways it has affect your life and your loved ones. But have you considered how cardiovascular diseases could impact your financial security.

Medical insurance often stops short of considering these costs but some of these costs may be covered with Heart/Stroke Insurance.

Heart/Stroke Insurance Might Be Right For You If:

There are cardiovascular diseases in your family’s history

You don’t have much money set aside for an unexpected cardiovascular illness

You want coverage you can take with you if you leave your job

What You Get:

Pays you benefits that can be used for non-medical expenses that health insurance might not cover.
Benefits are paid as you go and cover the costs of specific treatments and expenses (up to the maximum allowed) as they happen.

 Supplemental coverage, it works in addition to other insurance you may have, such as medical and disability income.