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Sickness Insurance
Sickness Insurance: Comprehensive Protection Beyond Critical Illness
When illness strikes, your focus should be on recovery—not worrying about the financial burden it may bring. At Senior Secure, we offer a Sickness Insurance Plan that provides essential coverage for all types of sickness, not just critical illnesses like cancer, heart attacks, or strokes.
This plan offers peace of mind by covering everyday sicknesses that could lead to hospitalization, from appendicitis and pneumonia to more severe conditions. Here’s why Sickness Insurance is an important part of your financial safety net, especially as other types of health insurance may fall short.
Why You Need Sickness Insurance
Most insurance plans only provide coverage for critical illnesses, leaving gaps when you need help the most. The Sickness Insurance Plan offers cash benefits directly to you, covering the costs of everyday sicknesses that can lead to hospitalization and recovery, such as:
Appendicitis
Kidney Stones
Arthritis
Asthma
Ulcers
Crohn's Disease
Pneumonia
And most importantly, it also covers the big three: heart attacks, cancer, and strokes.
The Benefits of Sickness Insurance
Our Sickness Hospitalization Plan covers you in five important ways:
Daily Hospital Confinement
Starting from the very first day you’re hospitalized, this plan pays cash directly to you, up to 365 days per sickness, to help cover costs like hospital room upgrades, transportation, or childcare. Plans range from $100/day to $400/day in benefits.
Intensive Care Coverage
If your sickness requires intensive care, the plan provides additional benefits up to $1,600/day depending on the plan chosen.
Recovery Benefit
After hospitalization for more than 10 days, our recovery benefit continues to pay cash to you while you recover at home. For example, with Plan 3, you could receive up to $4,000 for recovery, and even more for longer stays.
Outpatient Surgery Benefit
If your illness requires outpatient surgery, you can still receive cash benefits while you recover, up to $4,000, even if you weren’t hospitalized overnight.
Ambulance Reimbursement
We even cover the cost of your ambulance, up to $800, so you don’t have to worry about transportation costs in an emergency.
The Benefits of Outpatient Essentials - Sickness
Outpatient Surgery:
Pays up to $1,000 per surgery for up to four surgeries per year, depending on the selected plan.
Rehabilitative Therapy:
Covers up to $800 for 20 prescribed rehabilitative treatments like physical, speech, or occupational therapy.
Medical Appliance Reimbursement:
Reimburses up to $200 for necessary medical appliances prescribed by a doctor.
Key Features of the Sickness and Outpatient Essentials Plans for Seniors
Comprehensive Coverage for All Illnesses: Whether it’s a common cold or a serious condition like heart disease, both plans ensure you’re covered. The Sickness Hospitalization Plan provides comprehensive coverage for all types of sickness, while the Outpatient Essentials Plan addresses outpatient treatments without the need for hospitalization.
24/7 Protection: Enjoy peace of mind with round-the-clock coverage, available 365 days a year, whether you’re at home, on vacation, or engaging in your favorite hobbies. You’re protected no matter where life takes you in Canada or the United States.
Cash Benefits Directly to You: Both plans provide cash benefits paid directly to you, allowing you to manage your finances flexibly. Use the funds for hospital bills, outpatient treatments, or everyday expenses like childcare and groceries, ensuring you have the support you need when you need it most.
Guaranteed Renewable Until Age 85: Your policy remains active until age 85, regardless of the number of claims you file. Premiums can only change if adjustments are made uniformly for all policyholders, giving you long-term stability and peace of mind.
Simple Qualification Process: No medical exams are required for the Sickness Hospitalization Plan; you can qualify by answering a few straightforward questions about your health history. The Outpatient Essentials Plan also provides easy access to benefits without complicated requirements.
How Our Sickness Insurance Plan Stands Out
Unlike other health insurance plans that only kick in when you suffer from a critical illness, our Sickness Plan covers all types of sicknesses when you are hospitalized or receive outpatient treatments. This means you’ll be protected whether you're dealing with a simple illness like pneumonia or a more serious condition like cancer or a heart attack.
Additionally, it covers expenses that Medicare and government health insurance won’t. From private hospital rooms to transportation and loss of income, our plan fills in the gaps to ensure you're financially secure during your recovery.
Who Qualifies for Sickness Insurance?
You can qualify for the Sickness Insurance Plan without undergoing a medical exam. However, we’ll need to confirm that you haven’t been treated for or diagnosed with any of the following conditions in the last five years:
Heart attack, stroke, or coronary artery disease requiring surgery
Cancer, melanoma, or leukemia
Multiple sclerosis, cystic fibrosis, or muscular dystrophy
Diabetes requiring insulin or diagnosed before age 40
Ready to Protect Yourself?
No one plans to get sick, but with the right coverage, you can be prepared for anything. Start your application today and gain peace of mind knowing you're protected from the unexpected financial burden of sickness.
Frequently Asked Questions
How is Sickness Insurance different from Critical Illness Insurance?
While Critical Illness Insurance only covers major illnesses like cancer, heart attacks, or strokes, Sickness Insurance covers a wide range of illnesses, from common conditions like pneumonia or appendicitis to more serious illnesses. It ensures you’re protected even for illnesses that aren’t life-threatening but could still cause significant financial strain.
Do I need a medical exam to qualify for Sickness Insurance?
No, you don’t need a medical exam. Qualification is based on a few simple questions about your health history, and you can apply easily without undergoing a full health check-up.
What types of sickness are covered?
The plan covers all types of sickness, including:
1.) Respiratory conditions like pneumonia and asthma
2.) Digestive issues such as ulcers or Crohn's disease
3.) Chronic illnesses like arthritis
4.) Acute illnesses like kidney stones or appendicitis
5.) Serious conditions such as cancer, heart attacks, or strokes
How are benefits paid?
Benefits are paid directly to you in cash. This allows you to use the money for whatever expenses you need—whether it’s medical bills, transportation, household expenses, or any other costs that arise during your illness.
What is the recovery benefit?
If you are hospitalized for more than 10 days due to sickness, our plan continues to provide cash payments while you recover at home. The recovery benefit helps you manage ongoing expenses during your recuperation period.
Does Sickness Insurance cover outpatient surgeries?
Yes, the plan offers benefits for outpatient surgeries, even if you’re not hospitalized overnight. You can receive up to $4,000 in cash benefits to cover costs related to outpatient procedures.
What happens if I need intensive care?
If your sickness requires treatment in an intensive care unit (ICU), the plan increases your cash benefits. Depending on the plan you choose, you could receive up to $1,600/day while in the ICU.
Are there any age limits for this plan?
Yes, the plan is guaranteed renewable until age 85. Your coverage will continue as long as premiums are paid, and it will not be canceled due to the number of claims you file.
How much does Sickness Insurance cost?
The premiums vary depending on your age and the plan you select.
Does Sickness Insurance cover my family?
Yes, you can add coverage for your spouse and children with our Family Plans, which offer a 20% discount for covering multiple family members.
Can I use Sickness Insurance alongside my government health plan?
Yes. Sickness Insurance pays you directly, regardless of what is covered by government health programs like Medicare. It is designed to complement other types of health coverage by providing cash for out-of-pocket costs that may not be covered by public healthcare.
What is the primary focus of Outpatient Essentials - Sickness?
Outpatient Essentials - Sickness focuses on providing cash benefits for outpatient medical treatments, such as surgeries and rehabilitation, without the need for hospitalization.
What does the Hospitalization Sickness plan cover?
The Hospitalization Sickness plan is designed to cover expenses incurred during hospitalization due to sickness. This includes daily cash benefits for hospital stays, intensive care, and related medical expenses.
Do both plans provide cash benefits?
Yes, both plans offer cash benefits; however, the Outpatient Essentials - Sickness plan pays cash directly for outpatient procedures, while the Hospitalization Sickness plan focuses on in-hospital care.
At Senior Secure Canada, we specialize in providing financial solutions that ensure guaranteed income for life, helping you retire with peace of mind. With personalized strategies tailored to your needs, we help you navigate retirement without the stress of market risks.
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