Policies for medical & financial issues

Health and protection products are insurance products that offer protection in the event of a serious illness and/or injury.

The following is a list of common health and protection insurance products:

• Life (non-investment Insurance) - same as regular life insurance without the added option of investment returns based on interest earned form the premiums paid or a combination with an investment fund policy.
• Private Medical Insurance - Financial protection from costs incurred from private medical institutions, personnel, and services.
• Accident Insurance - Financial protection from medical costs incurred from an accident resulting in a major temporary disability or a minor permanent disability.
• Critical Illness Insurance - Specific policy geared towards individuals suffering from long-term critical illnesses that are not immediately fatal; like Parkinsons Disease,
• Income Protection Insurance - A form of insurance policy for employees who are unable to work due to temporary disability, usually paying back any lost income from their absence at work.
• Long Term Care Insurance - A policy for medical conditions that require significantly long time-frame for recovery except fatal conditions.
• HIV Insurance - Specific policy made specially for individuals suffering from the effects of the HIV virus in their system.