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Gabay at tips sa pagkuha ng critical illness riders

By December 22, 2019 Insurance

Bahagi ng life insurance policy ang critical illness riders. Kapag kumuha ka ng life insurance, may option kang magdagdag ng benefit kung saan may coverage ka sa mga major illnesses tulad ng major cancers, major organ failures, heart and blood illnesses, neuro-muscular illnesses, bacterial meningitis, major burns, at occupationally acquired HIV/AIDS.

Saan kukuha ng critical illness coverage?

Sa Pilipinas, karaniwang rider sa life insurance ang critical illness insurance. Wala pa akong nakitang stand alone na critical illness insurance.

Dati mga permanent at investment-linked insurance lang ang may critical illness riders at ito ang madalas gamitin ng mga insurance agent na enganyuhin ang mga tao para kumuha ng insurance sa kanila.

Pero ngayon, mayroon nang mas maganda at mas murang paraan para dito dahil nago-offer na rin ang mga insurance companies ngayon ng traditional term life insurance na may kasamang critical illness rider. Ito ang hanapin para hindi mapamahal sa pagbabayad.

Kailan dapat kumuha ng critical illness rider

You will benefit the most kung alam mo na may history ang pamilya mo sa alinmang critical illness na nakalista sa rider na kukunin mo. Malaki kasi ang tsansa na magkaroon ka nito dahil predisposed ang iyong genes.

In my case, parehong may sakit sa puso ang mga magulang ko kaya minabuti ko nang kumuha ng critical illness rider na covered ito. Hindi ko na aantayin na magkaroon ako ng sakit sa puso bago pa kumuha dahil kapag meron na ako, hindi na ako tatanggapin sa critical illness rider na ito.

Laging tandaan na kapag pre-existing na ang sakit mo, ibig sabihin meron ka nang sakit na ito bago ka kumuha ng critical illness coverage, hindi na ito covered. Ngayon, kung wala ka namang medical history sa mga nakalistang critical illness, maaring huwag nang kumuha ng critical illness rider.

Limited coverage

Ikaw ay covered lang ng insurance ng mga nakalistang sakit na itinuturing na mapanganib sa crticial illness insurance. Hindi lahat ng sakit ay covered ng critical illness insurance kundi limitado lamang ito sa listahan ng mga sakit na nakalagay sa iyong insurance policy.

Ito ang mga karaniwang critical illness na covered:
• Alzheimer’s Disease / Severe Dementia
• Angioplasty and Other Invasive Treatment For Coronary Artery
• Apallic Syndrome
• Aplastic Anaemia
• Bacterial Meningitis
• Benign Brain Tumour
• Blindness (Loss of Sight)
• Coma
• Coronary Artery By-pass Surgery
• Deafness (Loss of Hearing)
• End Stage Liver Failure
• End Stage Lung Disease
• Fulminant Hepatitis
• Heart Attack of Specified Severity
• Heart Valve Surgery
• HIV Due to Blood Transfusion and Occupationally
• Kidney Failure
• Loss of Independent Existence
• Loss of Speech
• Major Burns
• Major Cancers
• Major Head Trauma
• Major Organ / Bone Marrow Transplantation
• Motor Neurone Disease
• Multiple Sclerosis
• Muscular Dystrophy
• Other Serious Coronary Artery Disease
• Paralysis (Loss of Use of Limbs)
• Parkinson’s Disease
• Poliomyelitis
• Primary Pulmonary Hypertension
• Progressive Scleroderma
• Stroke
• Surgery to Aorta
• Systemic Lupus Erythematosus with Lupus Nephritis
• Viral Encephalitis

Ang mga critical illness ay nakabase sa nakuha kong actual critical illness rider ng traditional term life insurance coverage na nakuha ko. Maaari itong madagdagan o mabawasan ayon sa insurance policy mo kaya dapat itong basahin para malaman.

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