It won’t happen to me…… |
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In our lifetime we all only get the one body and ill health can do its unfair share of damage along the way. However, while most Australians insure their car or house, few people take the time to think about the risk of a critical illness.
And the healthy times are the right time to make decisions about your family’s financial protection. No one likes to think about illness but the unfortunate reality is you, or someone close to you, is likely to be critically ill at some stage.
The chances of major illness striking you down are vey real, no matter how young or healthy you are. How would your family cope financially if something like this were to happen to you? Consider the cost Apart from initial hospitalisation, there are likely to be several complicated financial issues to deal with such as ongoing treatment, at-home care, equipment and maybe even home modifications. Regional patients also have the added cost of travel and accommodation on top of everything else. A serious illness usually means months off work, drastically reducing the amount of money coming in. This is further exacerbated by a partner taking time off work to act as a carer during convalescence or a holiday. Without Critical Illness insurance you may have to use up you savings or sell your family home. Not a pretty picture! Help is at hand At Will Fraser & Co we’ve researched the Critical Illness products available in the Australian market. In addition to providing comprehensive cover for 37 specified Critical Illnesses, MLC Critical Illness insurance offers you and your family the additional benefit of exclusive access to the medical advice service offered by Best Doctors® Imagine for a moment your doctor has told you (or someone in your immediate family) you’re seriously ill. We know the initial reaction at this emotional time is to ask a number of key questions:
The answer is you speak to Best Doctors. What does Best Doctors do? Best Doctors was established to achieve one specific goal; namely to connect seriously ill people to a network of peer-nominated, leading specialists from around the globe. These doctors will be able to provide confidence, clarity and certainty to the patient’s diagnosis and treatment plan. Best Doctors will arrange leading specialist medical advice about critical illness, chronic or degenerative conditions, regardless of whether it’s a listed condition under your MLC Critical Illness insurance. It means you don’t have to waste precious time researching for leading specialists or treatments (a Google search for ‘Cancer’ reveals 189,000,000 results, a bewildering amount of information for anybody). Best Doctors does it all for you and your family - at no additional cost to you. MLC pays for your access to this service, not you. With the MLC Critical Illness solution you have the comfort of knowing that you and your family will have financial help. And through Best Doctors you have access to some of the best medical knowledge. MLC Critical Illness insurance and Best Doctors give you the best chance of returning to your previous quality of life. Critical Illness insurance can help get your life back on track and you can rest easy that your family will have financial help should you suffer a critical illness. How much is enough The amount of cover you require depends on a number of different factors. Please call Paula or Sharon on (07) 3284 7752 to arrange a free consultation to assess your family’s needs or to answer any queries you have. |
