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Dread Disease and Permanent Total Disability Plan
What is a dread disease?
Dread Disease Cover, also known as critical sickness coverage, is an insurance plan that will provide a lump sum payment if you are found to have a disease that prevents you from working. This covers major illnesses including cancer, organ failure and blindness as well as the repercussions of heart attacks, strokes and transplants.
The lump-sum payment can be used to pay for medical expenses associated with your illness, make necessary home improvements to accommodate your new condition, or simply cover your regular monthly expenses.
This can help South Africans if they need to take a few months off work for medical treatment (such as chemotherapy), to recover from major surgery, or if your sickness (such as blindness or Alzheimer’s) prevents you from working at your job. Because of the lump-sum payoff, you can put more of your attention on taking care of yourself and less time worrying about how you’ll pay your bills each month.
Dread diseases covered:
- Cancer
- Heart Attack / Myocardial Infraction
- Kidney Failure
- Stroke
- Coronary Artery Bypass Grafting
- Aorta Surgery
- Blindness
- Heart Valve Surgery
- Major Organ Transplant
- Paralysis
- Benign Brain Tumour
- Encephalitis
- Coma
- Loss of Limbs
- Severe Burns
- Parkinson’s Disease
- Loss of Hearing
- Loss of Speech
- Bacterial Meningitis
- Fulminant Hepatitis
- Permanent Total Disability due to Disease or Accident
Dread Disease Benefit
South Africans that are dealing with a chronic illness must make serious financial and emotional sacrifices. Our Dread Disease Benefit pays out a cash lump sum to help cover the costs associated with a member’s illness, providing them and their family the opportunity to adjust to a new way of life.
How does the Dread Disease Benefit work?
If a member is found to have a specified dread sickness, it pays out a cash lump amount (also known as a severe or critical illness).
Why Dread Disease Insurance is important
South Africans should not have to worry about money when coping with serious sickness. Being told that you have a serious illness or that you need to have surgery is a scary enough experience without having to worry about the additional financial consequences.
If you are not covered beforehand, a serious sickness could have a long-term financial impact on your family. This is a result of both the illness’s effects and the financial hardship you experience when you are temporarily or permanently unable to work. This is crucial if the family’s primary provider of income has been diagnosed with the illness.
Before the time comes, South Africans won’t know what they’ll require the additional cash assistance for. It is therefore entirely up to you how you want to spend it. It exists to simplify your life and free you from additional financial burdens so that you may concentrate on improving your health.
We are surviving longer with our disorders as a result of the numerous medical science advancements. This makes it crucial to make sure you’ll be able to maintain your financial stability should you be given a serious disease diagnosis.
Who needs Dread Disease Insurance?
It’s something we never anticipate requiring. However, anyone can receive a serious illness diagnosis. Anyone of us could experience it one day, therefore you don’t want money to be an obstacle in the way of getting the care you require.
This is why it’s crucial for South Africans with financial obligations—especially those who have dependents on their income—to have Dread Disease Cover. Remember that even if you have medical insurance to pay for your medical expenses, there may still be other expenses that arise that are not covered.
Changing the front door to your home to make it wheelchair accessible, paying for alternative therapies and treatments, travel expenses, home care, and private nursing? Your Dread Disease Insurance payment can lessen the financial burden of having to adjust to your new way of life.