Critical illness insurance helps in situations where an employee is diagnosed with a serious condition — such as cancer, stroke, or heart attack. These illnesses can significantly affect a person’s ability to work, maintain income, and preserve financial stability. Critical illness coverage does not focus on treatment costs — it provides a financial safety cushion that helps adapt to a new reality.
There is no secret trick to reading insurance policy terms — the advantage lies in knowing what to look for and where to find it. Focus first on insured risks, exclusions, deductibles, limits, and claims procedures. Cross-references between clauses often contain important details that affect coverage.
Health insurance policies with well-chosen add-ons become a strategic business tool rather than a box-ticked benefit. Each coverage decision affects employee health, availability for work, and the company’s long-term financial resilience.
A knowledgeable client is a safe client. Our brokers’ insurance blogs offer useful articles on a variety of topics for both individuals and companies. We created this blog to help you better understand insurance and its role in everyday life.
