Critical illness insurance isn't necessary but it is something to definitely consider.
More than just a cancer plan, critical illness coverage will provide payment for named "dread disease" conditions including heart attack, stroke, cancer and as many as 8 other conditions. Most pay a lump sum on first diagnosis. Buy a health plan, not a rider to a life policy.
People are surviving more critical illnesses than ever before due to advancements in medical treatment of cancer, heart disease, organ damage, and a multitude of life threatening diseases. However, these treatments can be very time consuming and costly. Thus, there is a greater need than ever for Critical Illness Insurance.
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More than just a cancer plan, critical illness coverage will provide payment for named "dread disease" conditions including heart attack, stroke, cancer and as many as 8 other conditions. Most pay a lump sum on first diagnosis. Buy a health plan, not a rider to a life policy.