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 earn aliving.
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 serious accident.
What is a dread disease?
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 involved?
When considering appropriate insurance, you should keep in mind that the policy should make provision for at least the following expenses:
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Your medical aid quote will include options to suit your pocket. Please ensure that the cover you select is exactly what you need and that you understand exactly what insurance you are buying. Do not hesitate to ask questions about the medical aid or hospital cover you choose.