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Critical illnesses ㅡ how to secure your future
What comes to mind when we think about the future? Vacation plans, growing up of children ... But there are things that we cannot foresee - among them serious illnesses - oncology, cardiovascular diseases. They require long-term treatment, rehabilitation and can destroy all our plans. But forewarned is forearmed! Today we will talk with a specialist of the TAS insurance company about how to protect ourselves from the development of critical illnesses and help ourselves and our loved ones to survive them.
- Good afternoon, tell me what diseases are considered critical and why?
- A critical illness is an illness in which you cannot lead a normal life, that is, you lose your ability to work for a long time. Such diseases include: cardiovascular diseases (heart attacks, strokes), cancer, renal failure.
Diagnosis and treatment of these diseases are time consuming and costly.
Faced with a critical illness, a person gets out of his usual way of life and loses his ability to work for a long time. Fortunately, modern medicine and modern methods offer more and more options for the successful treatment of critical illnesses.
- What are the statistics on the occurrence of critical diseases? Should a completely healthy 30-40 year old man worry about this?
- Cardiovascular diseases and oncology are the most widespread causes of death in the world. The statistics of the onset of critical illnesses is sad: every year, 30% of all deaths in the world are caused by cardiovascular diseases, 15% of all deaths are caused by oncology. At the same time, both among the heart and people suffering from cancer, more and more people aged 25 to 35 years!
In Ukraine, about 160,000 new cases of cancer diagnostics are annually recorded - the scale is impressive. For Ukraine, a critical situation has developed with two types of oncological diseases: among women, breast cancer is in the lead - every sixth woman suffers it; among men, one in five suffers from prostate cancer. And the root of the problem here is that few people worry and think about early diagnosis and prevention, and then the whole world has to collect money for treatment, constantly worrying that it may not be enough for the next course of treatment.
- Is it possible to protect yourself and your loved ones, and what role does insurance play in this?
- The most honest answer is, unfortunately, no, you can't. A single pill or method that conquers or prevents the onset of critical illness has not yet been invented. The simplest recommendations that will reduce the risk of such diseases are minimization or absence of bad habits, healthy eating, sports and a responsible attitude to your health. Timely diagnosis of critical illness is the key to effective treatment. Therefore, it is necessary to undergo routine examinations or check-ups annually, which will help identify critical diseases in the early stages. Such check-ups are especially relevant for people over 40 years old, but as already mentioned, critical illnesses "get younger", therefore, if possible, check-ups are relevant for younger people as well. Many citizens of our country often neglect this, therefore, the statistics of diseases in our country are significantly worse than in developed fears.
And if a person is faced with a critical illness, treatment will require a lot of money. The average check for cancer treatment in Ukraine is within 500,000 UAH, abroad - more than 60,000 dollars. For the vast majority of citizens of Ukraine, it is impossible to find such an amount to pay for treatment at once. Therefore, the only way to get quality treatment in this case is to have an insurance policy with a program that covers the treatment of critical illnesses. Such a program is the Doctor TAS program. The program includes "turnkey" financial support for the diagnosis and treatment of critical diseases in Ukraine and abroad, namely:
Diagnostics and treatment in one of 900 clinics around the world;
Travel and accommodation of both the Insured person and the accompanying person;
Payment for medicines (original medicines, not analogues) during the rehabilitation treatment;
Reconstructive plastics, including the installation of implants;
Biomaterial research;
In addition to covering medical costs, the Client receives a concierge service ㅡ providing psychological and legal assistance during treatment, visas and tickets for treatment for
border.
- Health insurance - this is expensive?
- Compared to the cost of treatment, the cost of medical insurance is just scanty. For children, the cost of the program starts from 3 Euros per month, for adults - from 11 Euros per month. At the same time, the minimum coverage for treatment is 300,000 Euros. In the maximum package, the client receives coverage of 1,000,000 Euros at a cost of 10 Euros per month for children and 42 Euros per month for adults.
Expensive? Quite simply, no. Moreover, considering that the program covers oncological diseases, cardiology, neurosurgery, transplantation and rehabilitation (recovery after severe injuries and
diseases of the brain and spinal cord or orthopedic treatment).
- What should you pay attention to when choosing an insurance program? How do I know if it is right for me personally?
- The choice of the program is your own, but at the same time you will be accompanied by an insurance consultant who will help you decide. For example, if your family has had cases of cancer, think about insurance that will cover such a case as much as possible. Please note that although there are many clinics in Ukraine that successfully fight cancer, treatment abroad requires a more modern approach. Also pay attention to the points of coverage of the cost of medicines, payment for travel of people accompanying you, payments for hospitalization, waiting period, countries of treatment and diagnosis. In Doctor TAS programs, all these points are spelled out as fully and clearly as possible, and a consultation with an insurance specialist will dot the I.
As you can see, thanks to a good insurance program, we can "spread straws" for ourselves and our loved ones, even in the most unpredictable situations. Contact TAS, because this is how you can choose the ideal insurance program for yourself and your entire family.