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Know Your Risk and Insurance Coverage for Heart Attacks and Strokes
Date:2/4/2009

ld total $1 million. That figure includes medical care as well as an estimate of indirect costs such as lost work hours, transportation costs and out-of-pocket expenses for drugs and other therapies.

"The good news is that people are living longer, in part, by surviving critical illnesses such as heart attack and stroke for longer periods of time," adds Moore. "According to current research, more than half of those who suffer first-time heart attacks now live five years or longer." For this reason, Moore recommends considering supplemental insurance for income and asset protection in the event of a critical illness.

Supplemental Insurance Policies Focused on Critical Illness

Supplemental insurance is a separate insurance policy which provides benefits that can be used to add to or 'supplement' life and accident and health coverage and can provide additional benefits to help offset uncovered expenses and out-of-pocket costs. Supplemental insurance policies are available specifically for critical illness protection.

"The cost of a supplemental critical care policy varies depending on the level of coverage selected, but these plans are generally affordable," says Moore. "A typical premium for a 30 or 40 year old might be as low as $8 to $14 per month, with rates based on age at time of purchase."

For more information about supplemental insurance or to schedule an appointment with a local agent, please call 1-800-490-1322 or visit http://www.combinedinsurance.com/contactus to submit an online inquiry.

About Combined Insurance Combined Insurance (www.combinedinsurance.com) is a leading provider of supplemental accident, health and life insurance products and is a member of Th
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