Life Secure provides a full range of insurance assistance. Our services go far beyond securing best-personalized covers at a best possible premium. We support you with the best insurance deals as per your needs and assistance during claim time if and when needed. Life Secure promises to be with you throughout your insurance plan.
At Life Secure, we can help you reach your financial goals and choose the best possible covers with benefits that would be of most value to you.
Life and Life Income Cover
This insurance covers your loved ones and protects them if you die or suffer from any terminal illness. It provides them with a financial safety net which secures them financially and safeguards their future.
It is a cost-effective and easy way to secure your family. This cover assures you with peace of mind that your family is been taken care of in your absence.
How does life and life income cover help?
The insurer has the flexibility to choose the cover as a lump sum payment or as a monthly cover, or both. This cover can help to :
- Pay off any debts or mortgage
- Pay for your children’s education
- Pay for any healthcare cost
- Fund a lost financial support
- Pay for any other expenses
Trauma / Critical Sickness Cover
Trauma cover helps you in dealing with unexpected circumstances of life during your ongoing treatment or illness recovery. It can help you ease your financial stress during the life-threatening disease recovery.
Conditions covered under Trauma Insurance –
- Cancer
- Stroke
- Heart-attack
- Paralysis
- Organ Transplant
- Alzheimer
- Parkinson
and many more
There are a total of about 40-45 conditions that are covered under Trauma/Critical Cover, however, it does vary from insurer to insurer.
Complete/Total and Permanent Disablement Cover
Sometimes, unavoidable circumstances such as an illness or accident can completely disable us. ACC cover may help but only to a certain extent and it has limited benefits. The Total Disability Cover gives you financial freedom as you choose how to spend it since you receive a lump sum amount at claim time.
How does Complete/Total and Permanent Disability Cover help?
- Making modifications to your house or workplace to support your total and complete disability.
- Paying off mortgage and debts
- Availing best medical support or treatment
- Covering recovery costs
- Managing day-to-day expenses
Income Protection Cover
Income Protection cover compensates your income loss when you are no longer able to earn an income due to an accident or illness.
The cover provides you with regular income and allows you to stay financially independent regardless of whether you can or cannot make it back to work.
How does the Income Protection Cover help?
- Paying your bills
- Maintaining your lifestyle
- Repaying Mortgage
- Paying off your family bills including school fees
- Covering Business and day to day overheads
Mortgage Repayment Cover
If any illness or accident makes you disabled to an extent that you cannot work, mortgage repayment cover helps you cover your monthly mortgage repayments. It saves you from an unpleasant scenario of selling your home when you are not well and the mortgage is a heavyweight on your shoulders. It helps you to make sure you have your mortgage instalments covered while you focus on your recovery from the illness or accident.
How does mortgage repayment help?
You protect your mortgage and financial commitment when you can no longer earn an income. This cover comes with an option of protecting your mortgage repayment up to 115% with which you can cover additional expenses like rates, or home and contents insurance.
Premium Cover
Premium cover insurance takes care of your total insurance premiums if you are not able to work, are disabled or sick. During an unforeseen event, the financial priorities change for an individual. The right insurance helps you cope up with the financial pressure and supports at the time of financial stress.
How does premium cover help?
The premium cover will help with paying off your premium debts should you become partially or totally disabled and you are not able to work. It helps in securing your insurance policy during a financial crisis or while on claim.
Major Medical Cover
The major medical cover takes care of your non-acute medical illnesses. This includes financial cover for your surgical or non-surgical treatment in a private hospital.
How does Major Medical Cover help?
Waiting Lists
In the case of non-acute medical conditions, you may not receive medical supervision on time and therefore, you would have no choice but to go on a waiting list.
Non-Pharmac Medicines do not cover by public funding.
The medical cover enables you to be treated with non-pharmacy medicines which otherwise are not covered or paid for by the public health system.
The policy covers your funds for access to private hospital and helps you cope with a serious medical condition without any hassle.
Examples of non-acute treatment include –
- Hip replacement
- Knee replacement
- Cancerous tumour removal
- Cataract removal
- Heart surgery
and many more
