Health
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Health insurance ensures easier and faster access to medical services and treatments. In the event of a diagnosis of a serious illness, this coverage is even more important. In this article, we’ll explain How Critical Illness Insurance Can Make a Difference in Your Life.
By the end of this article, you’ll learn the reasons to purchase this type of insurance, how to identify a good Critical Illness Health Insurance plan, and how to choose the best option for you.
Why should I purchase Critical Illness Health Insurance?
A serious illness requires closer, ongoing support, which leads to higher expenses. Critical Illness Health Insurance covers expenses related to the illness, providing greater peace of mind at a time when your health is compromised.
There are also other compelling reasons to purchase Critical Illness Health Insurance. See below:
Easier access to medical care and treatment
In the National Health System (SNS), it’s not always easy to schedule an appointment when you need one, or to get a test done with the necessary urgency. Waiting times in the SNS are long, and it’s common to have to wait months for a specialist appointment or surgery. With Critical Illness Health Insurance, it’s easier to access medical care and treatment when you need it.
Faster responses
When we have a serious illness, all matters related to our health become urgent. There are a number of tests that must be done and treatments for which we cannot wait on a waiting list. Health insurance ensures the prompt response that serious illnesses require.
Freedom of choice
Being able to choose a specialist you trust to care for you is extremely valuable, especially when dealing with serious illnesses. Health insurance also allows you to choose hospitals and clinics that offer the most advanced tests and treatments.
Greater prevention and a higher probability of cure
With Critical Illness Health Insurance, it’s easier to get checkups and see specialists, which allows for more regular monitoring of your health. By focusing on prevention, you can identify risk factors and, if necessary, to have access to an early diagnosis that increases the chances of a cure.
How Can You Identify a Good Critical Illness Health Insurance Plan?
In addition to covering expenses related to critical illnesses, a good critical illness health insurance policy also guarantees:
General and specialty consultations:
Appointments can be scheduled at hospitals or clinics of your choice, within a network of thousands of healthcare providers across the country;
Home visits:
This is a major benefit in cases of serious illness, given the emotional state of the patient. In addition to saving time and resources (travel takes time and incurs expenses), patients can receive medical care where they feel most comfortable: at home.
Treatments and additional diagnostic tests:
Additional tests are extremely important for making definitive diagnoses and initiating the most appropriate treatment. By covering the costs associated with these additional services, the likelihood of effective treatment increases.
24/7 service:
Knowing that you're protected 24 hours a day, 7 days a week, allows you to live with greater confidence.
How do I purchase health insurance that covers critical illnesses?
Almost all insurance companies offer critical illness insurance, with benefits that vary from one policy to another. Comparing the different options is essential to making the best choice.
The fastest, most convenient, and easiest way to get the best quote for your situation is through EXS – Insurance Brokerage, which evaluates offers from the country’s 26 leading insurance companies.
Before searching for the best options, the EXS team will contact you to find out what your needs are. This makes it easier to find health insurance that truly meets your needs.
Based on your simulation request, EXS will prepare:
- Search for the most advantageous offers that best meet your needs;
- Negotiates directly with the 26 largest insurance companies in the country;
- It offers the best deal for your situation—that is, with more coverage and fewer exclusions at the most competitive price.
