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Guardian Survey: Men are Twice as Likely as Women to Use Credit Cards to Pay for Major Health Expenses
Date:9/10/2008

an derail your retirement or liquidate emergency savings that you may need for your own financial plan. Critical illness insurance can be an important part of any family's financial protection."

Let's Take a Pop Quiz

Which of the following products gives you a lump sum of cash upon diagnosis of a major illness such as a heart attack, stroke or cancer?

A) Critical illness insurance

B) Medical insurance

C) Disability insurance

D) Long-term care insurance

E) Accelerated death benefit on a permanent life insurance policy

If your answer is B (medical insurance), then you are similar to half of U.S. consumers who believe that medical insurance gives them a lump sum of cash if they are diagnosed with a critical illness.

Guardian's survey revealed that many Americans do not understand key differences between critical illness and other health related insurance products such as medical, long-term care and disability coverage.

-- More than half of consumers claim to know the differences between disability, long-term care or medical insurance versus critical illness insurance, while less than 40% say they know what distinguishes accelerated death benefits on permanent life insurance from critical illness insurance.

-- A third of consumers believe that disability insurance, or accelerated death benefits on permanent life insurance would provide lump sum cash payments if the insured were diagnosed with a critical illness, and a quarter think that long-term care insurance would do so.

-- Traditionally, medical plans pay for treatments outlined in a plan contract. Traditional medical plans may provide cash to reimburse consumers for out-of-pocket expenses related to this care, but they do not give consumers a lump sum of cash simply because they have been diagnosed with an illness. Generally, only a critical illness policy provides this type of flexibility and protection. If a consumer wants to s
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SOURCE The Guardian Life Insurance Company of America
Copyright©2008 PR Newswire.
All rights reserved

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