Why You Need Dread Disease Cover
Nobody wants to think about disease and death but
it is a reality that anybody, without exception can be struck with a dread disease or condition at any
time. Not a single person can confidently state that he or
she is exempt from heart attacks, cancer, strokes, and unexpected circumstances that result in a need for an
organ transplant. Accidents can cause blindness or the loss of limbs, rendering the person concerned unable to
Very few medical aid schemes will cover the cost
of prolonged treatment and if the member is permanently disabled the cost of living can become prohibitive.
It is vital to consider steps that will pay for the cost of treatment and the
maintenance of a lifestyle when a dread disease strikes. One of the best possible precautions would be to purchase
special insurance that will cover the many expenses that may result from contracting a dread disease or suffering a
What is a dread
Officially, there are four particular conditions
that are defined as dread diseases. They are heart attacks, cancer, strokes and multiple sclerosis. Medical science
has made rapid progress and in many cases it is possible to manage the disease. The problem is the cost. Specialist
medical treatment is very expensive and many medical aid schemes will not pay for it.
The onset of a dread disease can normally be
ascribed to either lifestyle factors or genetic make-up. In many cases, such as in Leukemia, for example, experts
simply do not know what the cause is.
What are the expenses
When considering appropriate insurance, you should
keep in mind that the policy should make provision for at least the following
- Provision should be made for the payment of
essential expenses such as a home loan and car payments. There should be provision for long treatment periods
and even for a long convalescence.
- Many people are unable to obtain further
insurance once they contract a dread disease or suffer a serious impairment in an accident. The policy should
make provision for such difficulties.
- In many instances the affected person will
not be able to work for a long time; in some cases never again. The policy should make provision for this loss
- A dread disease holds the terrifying
possibility that the sufferer will not survive for long. The cover should therefore make provision for allowing
the sufferer a better lifestyle and the ability to spend more time with loved ones without having to worry
- Expenses such as for higher education for
children should be covered in full.
- In some instances the afflicted person may
need specialized care and the policy should make provision for home care and the services of appropriate
- People with a dread disease may have to
travel for treatment purposes and they may need to pay for the travel costs of family and loved ones. This
should be taken into account when purchasing dread disease
- People with dread disease must also make sure
that they have adequate life cover. This will ensure that the family receives a lump sum when the sufferer
dies. In some cases it is possible to combine a lump sum with a monthly pension.
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