Western-Southern Life Healthcare
400 Broadway
Cincinnati, OH 45202-3341
Western-Southern Life offers critical illness insurance instead of traditional health insurance. This type of insurance will help cover you in case of an illness that may not be covered by traditional insurance. Western-Southern covers heart attacks, strokes, certain types of cancer, advanced Alzheimer's disease, and other illnesses. Though you will still need to have traditional health insurance in addition to critical illness insurance, this additional policy may be necessary to cover costs associated with a long-term or emergency illness. The American Cancer Society has estimated that 66% of the costs of cancer treatment are not covered by traditional health insurance - everything from rehabilitation to home health care to experimental treatments.
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Western-Southern Life Health Insurance Features
Lump Sum Payment Upon Diagnosis
Upon diagnosis with an illness covered by this policy, Western-Southern will pay out a lump sum meant to help increase the quality of life - you could use it to participate in experimental treatments, pay off other medical debts, or take a trip. You may need the payout to make up for lost income, or to pay for expenses like child care. Recovering from a long-term illness is often extremely expensive - you may not be able to work, and in addition to the loss of income, you may need to incur additional costs due to home care or child care. Critical illness insurance can be used to help avoid "financial death."
Financial Freedom and Peace of Mind
Western-Southern allows you to use your lump sum payout however you like, which allows you the financial freedom you will need in such a situation. Critical illness insurance shouldn't be used to replace health insurance - it should be a supplement to your regular health insurance. However, it may be the supplement that allows you to recover from an illness and prepare for the future with peace of mind.
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