When Do You Need Accident and Critical Illness Insurance?

Family sitting on the couch researching accident and critical illness insurance

Prepare for life's surprises with comprehensive coverage with accident and critical illness insurance. Accidents and critical illnesses can happen at any time. Ensure you’re financially protected with insurance that’s there when you need it most.

 

Accident insurance coverage

Accident insurance provides a financial safety net if you’re injured in an accident. Whether it’s a fall, car crash, or sports injury, this coverage helps pay for out-of-pocket medical expenses like hospital stays, emergency room visits, and physical therapy.

With accident insurance, you get a cash benefit directly to help cover expenses as you see fit, whether that’s paying medical bills or covering daily living costs during recovery.

Accident Insurance Covers:

  • Emergency medical expenses
  • Hospital stays
  • Rehabilitation and physical therapy
  • Ambulance fees
  • Accidental death and dismemberment 

Accident insurance might be right for you if you have an active lifestyles, families seeking additional protection or anyone looking for extra financial protection in case of unexpected injuries.

 

Critical illness coverage

Critical illness insurance provides a lump-sum payment if you're diagnosed with a serious illness covered by the policy, such as cancer, heart attack, or stroke. This benefit can be used to cover medical treatments, living expenses, or anything else you need while you focus on recovery.

Critical illnesses can be financially devastating, but with the right coverage, you can focus on getting better instead of worrying about bills.

Critical Illness Insurance Covers:

  • Lump-sum payment upon diagnosis
  • Covered illnesses: cancer, heart attack, stroke, and more
  • Expenses related to treatment and recovery
  • Daily living expenses during illness

If you have a family history of serious illnesses or concerned about the financial impact of a major health event or want peace of mind with additional financial support if diagnosed with a critical illness, this type of insurance might be right for you.