Family Protection / Health Planning (家庭收入/健康规划) > Critical Illness and Dread Disease Insurance
Critical Illness and Dread Disease Insurance
Health insurance will cover the cost of hospitalisation, surgical procedures and outpatient treatments that are covered in the policy. However, the pay-out only reimburses you for treatment-related expenses. Critical Illness (CI) insurance is highly recommended for the family breadwinner(s) as it provides a lump sum pay-out that’s not restricted to treatment but upon diagnosis of any one critical illness — meaning the cash can be used to cover your daily living expenses and loan instalment repayment as an income replacement during your recovery period.
This is a huge benefit, as health insurance alone would not provide the financial support necessary to cover your daily expenses, which will prevent you from dipping into your hard-earned savings.
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