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| Unless you've been diagnosed with or experienced a life-threatening illness or event yourself, it's hard to imagine how you'd handle the impact. After the initial outpouring of support from friends and family, you're left to grapple with the shock, grief and financial pressures of coping with a critical illness. |
| At FMI, we've spoken to survivors of critical illnesses, like breast cancer, and asked them what really matters in their time of crisis. These are the 6 most common needs they identified: |
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A Medical Second Opinion
to be sure that the diagnosis is correct and that you have the best possible treatment plan. |
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A lump sum
to provide for any unexpected expenses. |
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A monthly income
to take as much time off work as required. |
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Cover for extra monthly costs
that come from living with and adjusting to a serious illness. |
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Counselling
to help the entire family cope with the trauma and stress. |
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Logistical & household support
because day-to-day responsibilities don't stop when you're sick. |
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| Most Critical Illness policies pay out a lump sum once a claim is filed and approved, but that's not where the story ends for most families battling a dread disease. A once-off cash injection doesn't meet all the 6 needs of critical illness cover. What your clients need are Critical Illness benefits that cover all their needs when they're at their most vulnerable. Here's how FMI's 4 benefits do exactly that: |
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| All new FMI Individual policyholders are entitled to a Medical Second Opinion at no cost. According to a study published by Mayo Clinic in 2017, 88% of patients who seek a second opinion receive a new or refined diagnosis, which leads to more informed healthcare decisions and treatment plans. We're the first in South Africa to offer the Medical Second Opinion benefit; our partner MediGuide provides an independent review of your client's diagnosis and treatment plan from leading medical centres around the world. |
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| What your clients want is more flexibility from a modern lump sum benefit. Wouldn't it be helpful to receive an early payout when you're diagnosed instead of having to endure an assessment period? Our Critical Illness Lump Sum benefit does just that. We've also improved the breadth and quality of cancer cover; something 1 in 4 South Africans is affected by every year, according to CANSA. |
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| On most Critical Illness policies, Income Protection benefits are limited to 100% of your income, but what about all the new costs that weigh down on the family budget? FMI's Income Protection benefit ensures that when diagnosed with a SCIDEP condition and any major CI events take place, your client receives 130% helps their income for 12 months. The extra 30% helps with those inevitable extra monthly expenses. |
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| According to Cancer.org, feelings of depression, anxiety and fear are widespread and typical responses to this life-changing experience. A Critical Illness policy from FMI includes CI Assist, a suite of counselling, household and logistical services to the value of R50 000, to help your clients and family deal with the emotional toll and day-to-day stresses of coping with a critical illness. |
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| Ultimately, we at FMI want your clients to be able to focus on making sound decisions about their health, treatment and care plans without having to worry about the cost. That's why we've put in the groundwork to identify what their specific needs are at this stressful moment in their lives, and structure benefits that fulfill these needs. |
Client Care: 086 010 1119
For more information visit: www.fmi.co.za
FMI is a Division of Bidvest Life Ltd, a licensed Life Insurance Company and
authorised Financial Services Provider FSP 47801 | Read our Disclaimer |
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