Critical illnesses encompass a wide range of conditions, including cardiovascular diseases, strokes, kidney failure, liver and biliary diseases, neurological disorders, and respiratory illnesses, in addition to cancer. These conditions often involve complex treatments, extended hospital stays, and substantial expenses, placing a significant burden on patients and their families without adequate financial planning.

Critical illnesses are increasingly affecting younger demographics, while treatment costs continue to rise. Preparing financially for serious health risks has become crucial for long-term family planning.

Critical illness poses a threat to both health and finances. Photo: Dai-ichi Life Viet Nam

Critical illness poses a threat to both health and finances. Photo: Dai-ichi Life Viet Nam

M. Huong, 38, from Hanoi, shared her experience when her mother was unexpectedly diagnosed with stage 3 lung cancer amidst the family's financial recovery from the Covid-19 pandemic. "Everything happened so fast," she said, "leaving us completely unprepared, both emotionally and financially. The insurance payout was a lifeline, allowing me to focus on my mother's care without having to scramble for treatment funds."

Experts emphasize that critical illness insurance not only provides financial assistance but also alleviates stress for patients and their loved ones, facilitating a more comprehensive and proactive treatment process.

Recognizing the growing need for health risk management, Dai-ichi Life Viet Nam has developed the 24/7 Critical Illness Care Insurance plan, supporting customers throughout the detection, treatment, and recovery stages.

The plan offers a maximum payout of 250% of the insured sum during the contract period, covering up to 3 minor conditions and 1 major illness. This structure aligns with the multi-stage progression of most critical illnesses.

Dai-ichi Life Viet Nam stands by patients and their families facing critical illnesses. Photo: Dai-ichi Life Viet Nam

Dai-ichi Life Viet Nam stands by patients and their families facing critical illnesses. Photo: Dai-ichi Life Viet Nam

Coverage extends to 88 conditions, including 35 minor and 53 major illnesses. This allows policyholders greater financial control during treatment. The plan also offers a wide eligibility range, from 30 days old to 70 years old, with coverage extending up to age 75. Fixed premiums throughout the contract period enable long-term financial planning without the concern of age-related cost fluctuations.

A representative from Dai-ichi Life Viet Nam stated that the plan is designed as a "financial shield" for Vietnamese families facing critical illnesses. Beyond covering treatment costs, this solution demonstrates a long-term commitment to helping policyholders maintain their quality of life during challenging times.

Given the unpredictable nature of health risks, securing a suitable insurance plan is a practical step toward protecting every family's financial stability.

Minh Ngoc

Interested customers can find more information here.