Every fifth falls seriously ill
Did you know that every fifth Estonian gets cancer, heart diseases or other serious illnesses already before the age of 65?*.Although most will survive, their everyday life will come to a halt. With insurance cover for a serious illness, you will receive a lump sum benefit that you can use as you see fit. Mandatum Life’s Critical Illness supplementary insurance supports you with a a lump sum payment of up to 100,000 euros at the time an unpleasant condition takes you by surprise.
Critical Illness supplementary insurance helps you while you are focusing on recovery
An insurance amount of up to 100,000 euros is paid out as lum sum payment upon the diagnosis of a critical illness. You can decide for yourself what you do with the money. Critical illnesses include the following:
|1. Heart attack (Myocardial Infarction)….
2. Coronary artery by-pass surgery
5. Kidney failure
6. Major organ transplant
7. Loss of limbs
9. Third degree burns
|10. Surgery to aorta
11. Heart valve replacement or repair
13. Loss of speech
14. Multiple sclerosis
15. Parkinson’s disease before the age of 60
16. Benign brain tumour
17. Alzheimer’s disease before the age of 60
18. Total and permanent disability
*Source: National Institute of Health Development
Critical illness will strike one out of every five Estonian in the most active stage of their life. At the height of their career, when their responsibilities are great: a home, children, family, daily routines. With so many things to consider, a simple and straightforward lump sum benefit will ease your worries. A lump sum equal to one year’s salary gives you time to re-organise your days and your life, on your terms.
Pros of Mandatum Life Life Insurance:
– flexible contract;
– favorable payments;
– lack of exclusions;
– rapid risk assessment process;
– good choice of supplementary insurance.
The cost of life insurance at the time of conclusion depends on age, health condition and lifestyle, which is determined by concluding a contract with a risk assessment. The big advantage is that the risk assessment is performed at the time of concluding the contract and the circumstances that increase the risk over time do not change the amount of insurance premiums in the future (unless you want to increase insurance coverage). As the agreement is flexible, you can change the amount of protection later if necessary or terminate the agreement if you wish.