What is Critical Illness Insurance?

什么是重大疾病保险？

With health insurance costing more and delivering less these days most people today are experiencing a growing financial burden that they’re ultimately responsible for. As a result, the demand for supplemental health insurance products is growing and Critical Illness insurance is one of those products. 

随着健康保险费用不断上涨且保障越来越少，许多人正在承受越来越大的财务负担，而这些负担最终由他们自己承担。因此，补充健康保险产品的需求正在增长，而重大疾病保险正是其中之一

Invented by a Doctor, Not the Insurance Industry   

由医生而非保险行业发明

Critical Illness insurance was invented by world renowned heart surgeon Dr. Marius Barnard. Dr. Barnard observed first-hand the detrimental financial impact his patients experienced following their treatment. Too many of them were putting their recovery at risk by forcing themselves back to work too soon just to pay the bills. Dr. Barnard felt this was wrong and that there should be an insurance product that could provide recovering patients a cash payment the moment an illness was diagnosed. His observations ultimately gave birth to modern Critical Illness insurance. Critical Illness insurance is a Limited Benefit Policy.  It is not a comprehensive major medical plan or Medicare supplement policy.         

重大疾病保险是由著名心脏外科医生马里乌斯·巴纳德（Dr. Marius Barnard）发明的。巴纳德医生亲眼目睹了患者在治疗后的财务影响，许多人被迫过早回到工作岗位以支付账单，从而危及了康复。他认为这种情况不应该存在，并觉得应该有一种保险产品，能够在疾病被诊断时立即为康复中的患者提供现金支付。这些观察最终催生了现代重大疾病保险。值得注意的是，重大疾病保险是一种有限保障政策，并非全面的重大医疗计划或医疗补充政策

Focus on Your Recovery, Not Your Bills 

专注于康复，而非账单

Critical Illness insurance is about reducing the emotional and financial stress associated with the diagnosis of and recovery from a critical illness. The purpose of this insurance is to help families narrow or even close this growing financial gap and focus on getting well and not wondering about how to pay the bills.   

重大疾病保险旨在减少与重大疾病诊断及康复相关的情感和财务压力。该保险的目的是帮助家庭缩小甚至弥补日益增长的财务缺口，使他们能够专注于康复，而不必担心如何支付账单

Critical Illness Insurance Is Simple   

重大疾病保险简单易懂

If you are diagnosed with a covered illness like Cancer, Heart Attack, Stroke or Alzheimer’s disease, Critical Illness insurance pays typically pays a lump sum. However, some policies may pay a monthly cash benefit. You have complete discretion on how to spend the money – it can be for out of network medical costs, experimental treatments or even to pay your mortgage. It can be for anything you decide. No bills or receipts are required and no strings attached.   

如果您被诊断出癌症、心脏病发作、中风或阿尔茨海默病等覆盖疾病，重大疾病保险通常会支付一笔一次性的赔付。某些保单也可能提供每月现金福利。您可以完全自由地决定如何使用这笔钱——无论是用于网络外的医疗费用、实验性治疗，还是偿还抵押贷款，使用方式完全由您决定。不需要提交账单或收据，也没有任何附加条件

To learn more about Critical Illness insurance give us a call us today to schedule a free consultation. We’ll discuss the importance of adequate health care planning and how Critical Illness insurance can play a role in your own personal health care strategy.

了解更多信息

如果您想了解更多关于重大疾病保险的信息，请立即与我们联系，安排一次免费的咨询。我们将讨论充分的医疗规划的重要性，以及重大疾病保险在您个人医疗策略中的作用。