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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