WHO Compiled Reports To Assure Critical Illness Policy A Must

Things You Need to Know Before Buying Car,House, Health & Life Insurance online.

Insurance Buying Tips #1: Shop smart
When looking for insurance, your No. 1 priority should be to find adequate coverage. Price is important, but you’ll want to determine what kind of coverage you need first. Then you can fit that coverage into your budget and determine which carrier can provide you with the most comprehensive policy for your situation. You may be tempted to choose insurance with the lowest price tag, but if you don’t have enough coverage (or the right kind of coverage), you will see less financial benefit when it comes time to file a claim.
Insurance Buying Tips #2: Look for discounts
Once you evaluate your coverage needs, factor in your budget and find ways to save. Ask your insurance agent if there are any discounts on your coverage. Often, carriers offer discounts for things like paying your policy in full, staying auto accident-free or, if you’re in school, getting good grades. You also can save money by “bundling” multiple policies, such as purchasing a home and auto policy from the same carrier.
Insurance Buying Tips #3: Fill in the gaps
An average policy will cover the basics, but you may need to add extra coverage to meet your unique needs. For instance, you may have items like electronics or a nice piece of jewelry that would be financially difficult to replace, even with the assistance of your average renters or homeowners policy. You may want to add additional coverage for these items.

The growing modernity, has also introduced its grey shades to our life.

We are no more connected to nature, living in stressful life, breathing in pollution, lack of sleep, tough job life, stiff competition every day, struggle to make better life, and over it no healthy food. Thus, it's not uncommon to get poor health, as age advances. The strange fact is today critical illness has not only become common, but it's also gripping its firm impact on young people. The children are mostly vulnerable to lung diseases due to adverse poisonous gases in atmosphere. These are contributed by growing vehicles on road, industrialization, and modernization.

So, we need to work smart for saving our future generation. Though, what we can do to save nature and give better life to gen-x is a different aspect. The quick solution to fight the long battle of depleting nature is to stay secure with health backup in present. The best option is to opt for 'critical illness policy' for self and dear ones. No, one is completely secure from the adversity posses to health due to different reasons. Today, critical illnesses are not rarified; but increasing every day. Let's check few facts from 10 years back:

  1. Out of 10.3 million deaths, which occurred in the year 2004 in India, the statistics shows 5.4 million were due to chronic diseases.
  2. Critical illnesses thus, contributed 50% of death in India, in the year 2004
  3. In last 10 years despite all medical advancement, critical illnesses affecting human civilization in India has increased 3 fold times.
  4. Chronic Respiratory diseases stay floating in 3rd in the list of diseases affecting people. The top two are parasitic diseases and cardiovascular – diabetes.
  5. Perinatal disorders and cancers first stages have been in the 4th and 5th in the list.
  6. More than 20% of Indians smoke twice a day, the number is high for making chronic respiratory diseases
  7. The medical facilities charges have inflated 5 times in last 10 years

The world is facing deep trouble from critical illnesses and fewer facilities available to common people. This report has been compiled by “World Health Organization' (available online). Thus, the best way is to safe you by opting for healthier life and critical illness cover.

Insurance Buying Tips #4: Purchase life insurance—you aren’t too young
Life insurance is essential, no matter how young or old you are. And for millennials, buying now may be a smart move because it’s cheaper to buy a life insurance policy when you’re young and healthy. This kind of insurance can help your family cover unexpected costs in your absence, including student loan debt or a mortgage, in addition to end-of-life costs. And if you have kids, a life insurance policy can also support their education or childcare expenses. Additionally, every millennial should consider long-term disability coverage, which helps you stay afloat financially if an accident happens and you become disabled and unable to work.
Insurance Buying Tips #5: Talk to an independent agent
An independent insurance agent is an essential resource when purchasing insurance—especially if this is your first time. An independent agent works with multiple different carriers, which is different from captive agents who can only sell insurance from the carrier they work for. Working with an independent agent can help make sure that you are getting the best coverage, for the best price. You’ll also benefit from independent agents’ insurance knowledge; they know how to talk you through your options and actually explain what each policy includes. An independent agent will make sure all of your assets are covered, help you find discounts or other ways to save, and be a valuable resource as your life changes and your insurance needs change, too.
Insurance Buying Tips #6: Only buy insurance to maintain your existing standard of living
You don’t need insurance for events that won’t severely strain your finances. Start with your basic needs (home, auto, business), then work your way to include other needs (cyber, liability). You can always obtain coverage later for something if you change your mind. You can minimize your risk and maximize your savings by buying insurance that won’t cause you to break the bank.

What are the main reasons for critical illness?

  1. Low fruit and vegetable consumption
  2. Lack of physical activities
  3. Alcohol, drugs or substance abuse
  4. Overweight is a burning problem (obesity amounts to 15% of critical illnesses)
  5. High cholesterol and lack of exercises
  6. Indoor smoke inhalation from solid fuels
  7. Tobacco use or smoking (even passive smoking)
  8. Suboptimum blood glucose
  9. High blood pressure is another problem for critical illnesses

These 9 are major problems and are notified by “World Health Organization”. Therefore, improve your health by changing your lifestyles. The lifestyle to adapt is to intake fresh fruits, eat green vegetables, hit gymnasium, do yoga, be physically active, reduce weight, check weight gain, get rid of cholesterol by adopting fat free diet, quit smoking or tobacco use, lower alcohol consumption, and say no to drugs. Even it's advised to go for annual health checkup. The critical illness policy gives the option of annual health checkup for the insured member.

20 Critical Illnesses Covered by Major Health Insurance Brands are:

  1. Cancer
  2. End Stage Renal Failure
  3. Multiple Sclerosis
  4. Benign Brain Tumor
  5. Motor Neuron Disorder
  6. End Stage Lung Disease
  7. Major Organ Transplant
  8. Heart Valve Replacement
  9. Coronary Artery Bypass Graft
  10. Stroke,
  11. Paralysis
  12. Myocardial Infarction
  13. Major Burns
  14. Coma,
  15. Blindness
  16. Parkinson's Disease before the age of 50 years
  17. Alzheimer's Disease before the age of 50 years
  18. End Stage Liver Disease
  19. Bacterial Meningitis
  20. Aplastic Anemia

Thus, you can now be assured of getting better health care and medical aid in hours of crisis. So, have no second thought and secure with assure.

Insurance Buying Tips #7: Ask your insurance provider what the policy doesn’t cover
Every insurance policy has perils that are not covered by your policy. These perils are referred to as “exclusions”, and every policy has them. Ask your insurance provider to explain the exclusions in your policy to avoid discovering what they are once you incur damages or a loss.
Insurance Buying Tips #8: Consider bundling several policies with one insurance carrier
here may be value in bundling several policies with one insurance carrier. If you’re looking to insure multiple vehicles or obtain multiple types of business coverage (e.g., liability, property, cyber), then you may want to consider obtaining coverages under one insurance provider who carries multiple products, and who may be able to offer you multi-policy discounts or loyalty programs.
Insurance Buying Tips #9: Review your insurance needs on a yearly basis
As your needs evolve, so will your insurance policy. Maybe you’ve acquired a new vehicle since obtaining auto insurance for your primary vehicle, or started operating your business out of your home, or experienced a cyber-attack during the year… Whatever the change(s), you’ll want to make sure you’re covered for any new risk exposures. Talk to your insurance provider to stay on top of your insurance needs.
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