Dealing with a major health issue is difficult on many levels - emotionally, physically and financially. 40% of Canadians who suffer from a major health crisis also suffer financially. In Ontario, we are fortunate that OHIP covers many of our health expenses, including doctor visits, hospital visits, select exams, etc. However, OHIP has its limitations, and therefore cannot cover prescription drugs, medical supplies, disability insurance, etc. The costs associated with dealing with a health issue can be unaffordable to many. People are constantly having to rely on credit, savings, retirement funds and mortgages to pay for health care costs when hit with a major health issue if available. Others, have to rely on the goodwill of their family and friends for financial support.
There is never a 'good' time, and no one is ever fully prepared for dealing with a crisis, however, we should always be aware that this is a possibility. Recovering and recuperating should be the only thing one should deal with when suffering from a major health issue. This is where health insurance plans, and critical illness insurance plays a pivotal role. Having health insurance and critical illness insurance allows you in many times to have your financial costs associated with your illness covered. This will allow you to take the care your body needs, without adding other stressors to your life. A critical illness plan will help cover costs that can allow you to take time off work in the event of a critical illness. For many, this time is a much needed gift.
While we can never know what will come our way, for our sake, and our families sake, it is always good to insure that we have provisions in place in the event of a crisis. Having an extended health insurance and critical illness insurance can go along way in ensuring that we protect our loved ones and ourselves at all times. In times of sickness, will you be prepared?
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