久病床前无孝子，久贫家中无贤妻这句古话道出了一个残酷的现实。在现实生活中，无数家庭为了治病四处筹钱，得到的钱却可能只是杯水车薪。重大疾病保险就是为了让人在遭遇重病打击时，减少经济和精神的双重伤害。
Why You Should Consider Critical Illness Insurance? Here are ten good reasons:
1. Limited medical coverage in Canada
Canada claims to have "free health care", but in reality it only covers the cost of doctor's visits and medical expenses during hospitalization; medications and nursing services are not covered. You are responsible for your own expenses after you are discharged from the hospital.
2. Safeguarding the ability to create value
Insurance essentially protects a person's ability to create value. Critical illnesses can seriously impair our ability to create wealth and affect the financial resources of our families.
3. Not just for a cure, but for quality of life
Insurance is not just about curing illnesses, it is about being able to maintain a good quality of life and live well despite the illness.
4. Disease risk increases with longevity
As medical care improves and people live longer, the chances of getting a serious illness increase. Longevity means that the longer you live, the higher your chances of getting sick.
5. Survival with illness is the norm
Under modern medicine, surviving with a disease has become a commonplace, especially with long-term illnesses, indefinite treatments and follow-ups. The possibility of recurrence of old diseases cannot be ignored.
6. Medical costs can lead to economic collapse
Medicine can save lives, but it cannot save a family's financial life. The financial repercussions of medical expenses can change the fate of everyone in the family, and it may take a lifetime to turn things around.
7. Freedom of choice
Taking out critical illness insurance doesn't necessarily mean that we can't afford to pay for medical treatment, but rather that in the event of a serious illness, we'll have more options and won't have to give up on the best treatment options due to financial pressures.
8. Replacement of lost income
The patient needs to concentrate on getting well and the family needs to stay with them, which often leads to loss of income from work. Critical illness insurance is also loss of income insurance, a financial haven for the patient and family.
9. Comfort and hope
Having financial support in times of illness can bring more comfort and hope to the patient. With an extra sense of security, the patient will be able to recuperate in the course of treatment and improve the chances of recovery.
10. Rehabilitation expenditures are equally important
Financial support is also needed for rehabilitation and post-disease convalescence. To cope with this huge expense, let critical illness insurance help you!
Risk doesn't discriminate. Rich or poor, it's a disease.
Every day, countless people buy insurance because they know that risk doesn't pick and choose, and that a major illness can turn the rich into the poor. So every day, families take refuge in insurance because they have made the smart move. In the event of risk, the patient and everyone in the family will be able to cope with the situation and change the situation of "no filial son in front of the bed of the chronically ill".
With the protection of critical illness insurance, family relationships can be maintained even in the face of a health crisis, and financial pressure will no longer be a stumbling block to intimacy. This protection is not only responsible for your own health, but also the guardianship of the entire family's future.
Charles Schwab Wealth Management, your insurance planning experts
Jessie, the founder of Carlson Wealth Management, is a Certified Financial Planner (CFP), a member of the Million Dollar Round Table (MDRT), a Top Member (TOT), and a licensed insurance agent in BC. With over 20 years of experience in insurance and tax planning, she has provided professional services to more than 2,000 clients in the Greater Vancouver area, realizing the preservation and appreciation of wealth. Carlson Wealth Management's business covers travel, auto, home, health and life and critical illness insurance, tax planning and family wealth inheritance.
If you have any questions about Critical Illness Insurance, or would like to know more about the insurance plan that suits your personal situation, please feel free to contact us. With Charles Schwab Wealth Management, you are better protected against life's risks!
