Understanding the 36 Critical Illnesses

Understanding critical illness coverage is really important for Filipinos to stay protected. With medical costs going up, being ready for unexpected health problems is key. This article will explain the details of the 36 critical illnesses, including what they are, which ones insurance usually covers, and why getting critical illness insurance from Oona Insurance is so important for financial safety and peace of mind.

What Are the 36 Types of Critical Illness?

The term "36 critical illnesses" covers a range of serious health problems that can greatly affect your life. These include things like cancer, heart attacks, strokes, and organ transplants, among others. Understanding these illnesses is important for anyone looking to stay fully protected. Get to know each of these illness below:

1. Cancer

2. Heart attack

3. Stroke

4. Organ transplant

5. Kidney failure

6. Coronary artery bypass surgery

7. Alzheimer's disease

8. Parkinson's disease

9. Multiple sclerosis

10. Motor neuron disease

11. Paralysis

12. Major burns

13. Coma

14. Blindness

15. Deafness

16. Loss of speech

17. Aplastic anemia

18. Bacterial meningitis

19. Brain tumor

20. Cardiomyopathy

21. End-stage liver disease

22. Heart valve replacement

23. Loss of limbs

24. Loss of independent existence

25. Major organ failure on waiting list

26. Primary pulmonary hypertension

27. Progressive supranuclear palsy

28. Severe lung disease

29. Systemic lupus erythematosus with lupus nephritis

30. Third-degree burns

31. Viral encephalitis

32. Benign brain tumor

33. Chronic liver disease

34. Creutzfeldt-Jakob disease

35. Fulminant viral hepatitis

36. Motor neurone disease with permanent symptoms

Among the 36 critical illnesses, the most common ones include cancer, heart attacks, strokes, kidney failure, and major organ transplants. Dealing with these conditions usually involves a lot of medical care, time in the hospital, and ongoing treatment, which can be really expensive and stressful for both you and your family.

Common Critical Illnesses Covered by Insurance

Critical illness insurance provides financial support when you're diagnosed with certain serious illnesses. What's covered depends on the insurance company and the policy you chose. But generally, most critical illness insurance covers these common illnesses:

1. Cancer: This includes different types of cancer like breast, lung, prostate, and leukemia. Cancer treatments can be long and costly, so having good, comprehensive insurance is really important.

2. Heart Attack: A heart attack happens when blood flow to the heart is blocked, damaging the heart muscle. Quick medical treatment is crucial, and critical illness insurance can help cover the medical costs.s.

3. Stroke: A stroke occurs when the brain's blood supply is cut off, causing brain damage. Survivors often need extensive rehab and long-term care, so critical illness insurance is essential for managing these costs.

Which Critical Illnesses Does Oona Insurance Cover?

Oona Insurance knows how important it is to have full health protection, so we cover the three (3) most common critical illnesses. Our policies provide financial help and peace of mind for unexpected health issues.

Oona’s Critical Illness Insurance covers cancer, heart attack, and stroke, making sure you get the support you need. We are dedicated to offering quick help and financial relief to our policyholders.

Why You Should Get Critical Illness  Insurance

Getting critical illness insurance is like having a safety net for you and your family if you ever get a serious illness. Here's why it's a good idea:

1. Financial Protection: Critical illness can mean expensive treatments, lost income, and other expenses you might not be ready for. This insurance gives you a lump sum of cash to cover these costs, so you don't have to use your savings.

2. Peace of Mind: Knowing you're financially covered takes a weight off your shoulders. This insurance gives you peace of mind by taking care of the financial burden so you can concentrate on getting healthy.

3. Supplement to Health Insurance: Regular health insurance helps with hospital stays and treatments. Critical illness insurance gives you a cash boost specifically for these serious illnesses. It's like having an extra layer of protection.

Understanding the 36 critical illnesses and the importance of critical illness insurance is important.. In the Philippines, where serious illnesses are unfortunately common and expensive to treat, critical illness insurance can be a lifesaver. It provides a lump sum of cash if you're diagnosed with a covered critical illness, helping you manage treatment costs and other expenses without draining your savings. This way, you can focus on getting healthy while your family stays financially secure. Consider a reputable company like Oona Insurance to find a critical illness plan that protects you and your loved ones from the financial burden of a serious illness.