In the face of uncertainties, the significance of protecting oneself against critical illnesses cannot be underestimated. As medical expenses escalate, having robust insurance coverage becomes a paramount necessity.
MetLife Gulf, a trusted name in the UAE insurance industry, stands as a beacon of reliability for individuals seeking comprehensive health coverage. Besides standard health insurance plans, it also offers critical illness health insurance.
In this article, we will explore MetLife Critical Illness Health Insurance, an exceptional offering designed to provide financial support and peace of mind in the event of life-altering health conditions.
Let’s explore the wide-ranging benefits and the scope of coverage of plans under this category.
Critical illnesses are classified as life-threatening or catastrophic medical conditions, commonly known as ‘dread diseases’. This category includes ailments such as heart attack, cancer, stroke, coma, multiple sclerosis, and bypass surgery, among others.
It is a common misconception that a standard health insurance plan offers complete protection. The reality is that the expenses associated with life-threatening illnesses often exceed the coverage provided by most plans. This is where critical illness insurance cover steps in.
Critical illness health insurance offers extra coverage for medical emergencies like heart attacks, strokes, or cancer. These situations typically involve higher-than-average medical costs — critical illness policies provide cash payouts to bridge the gap when regular health insurance falls short.
Though these policies are reasonably priced, they have limitations and usually cover only specific illnesses or emergencies. Nonetheless, having critical illness insurance can be a crucial supplement to your existing health coverage, providing an added layer of financial security in times of serious medical crises.
Listed below are the critical illnesses generally covered under this type of health insurance -
Critical illness health insurance plans don’t offer coverage for diseases resulting from lifestyle habits such as smoking, drinking, drugs, or substance abuse. These plans also usually exclude conditions such as HIV, pregnancy, childbirth issues, or congenital diseases resulting in death within 30 days of diagnosis.
Here are the major critical illnesses covered under MetLife Critical Illness Health Insurance -
Discussed below are the two major MetLife Critical Illness Health Insurance plans -
The Critical Care insurance plan ensures that you receive the best possible treatment without draining your savings when faced with a diagnosis of any of the 32 common critical illnesses.
The benefits of this plan include -
With CritiCare, you can have peace of mind, knowing you are financially protected if you are ever diagnosed with one of 32 critical illnesses. It covers the costs of treatments and any loss of income that may arise.
Key features include -
The following are the things to consider when buying a critical illness health insurance plan -
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