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A Term Insurance May Just Be What You Need If A Hearing Disability Arises

Dec 06, 2018 | 2 years ago | Read Time: 3 minutes | By iKnowledge Team

With the right term insurance plan, you can receive a cover for several illnesses, one of which also includes hearing disability.

Several times factors such as hearing a ringing sound, straining too much to understand a conversation could be a sign of emerging hearing loss possibilities. A drop in various mineral levels such as potassium, magnesium, or zinc could also contribute towards age-related hearing loss.

Being uninsured – A primary cause of hearing disability going untreated

While there are ways to treat partial hearing loss by a medical procedure or through rehabilitation, being uninsured often leads to hearing disabilities going untreated.

The primary reason for ignoring or taking the condition leniently is a result of various myths that people carry in their heads. Some of them include:

  1. Losing hearing power is a sign of ageing, nothing can be done about it
  2. A hearing aid is quite effective, if needed, can get it in future
  3. Don’t have money to meet daily expenses, how will I be able to get the condition fixed?

The excuses above in no way are going to aid the condition. If you or your loved one has a hearing loss, there are two ways to deal with it.

  1. Get yourself medically treated in case of partial damage
  2. Opt for favourable beforehand to get financial assistance.

Why and when should you opt for term insurance plan?

Term plans offer financial protection to you and your family in difficult times, and acts like a financial blanket then. Whether it’s a severe illness or an unfortunate road accident, term insurance makes sure your future doesn’t get derailed. If you buy a term plan in your 30s, you have insured your family’s future for a long time. This is because, the younger you are, the healthier you are, and the risk of getting a critical illness is also low. So, you end up even saving on your term insurance premiums.

Why is a term plan with rider better than general health insurance?

A term plan with a cover for critical illness helps protect and secure your future in case any mishap happens. While many life insurance companies are providing a wide array of insurance products, Aegon Life’s term insurance plans with additional cover offer an unmatched value proposition.

Why a rider which covers deafness?

A recent study suggested by Brigham and Women’s Hospital indicates that a healthy diet can help lower the risk of hearing deficiency by up to 30%. While that’s a positive sign, there doesn’t seem to be any mention of the recovery process in case a person suffers from a total hearing disability. Under such circumstance, a term plan with added cover for critical illness goes a long way towards helping those affected with hearing impairment.

Why Aegon Life’s critical illness plan for deafness?

Aegon Life provides much flexibility with regards to adding riders. You can buy a term insurance plan and add a layer of protection to safeguard it further. There are many riders available with the term insurance plan including disability rider which with its positive attributes can add value to your policy. While a single rider is enough to provide a layer, a combination of these riders can make your policy an all-inclusive one which will make it much more beneficial.

What should you know?

If you or your family members have a history of critical illnesses, it is crucial to get a term insurance plan which also offers benefits of a health insurance plan. With Aegon Life’s iTerm Plus plan, you can choose four options as per your need and can shield yourself against up to 36 .

With the rise of technology and the increasing consumption of higher sound frequencies, the probability of damaging your ears is more than just a random possibility. If the damage done is partial, medical assistance may help, but if it’s a total inability, then medical procedures won’t help.  In such a case, opting for iTerm Plus plan with Life and Health Plus option will help you get the financial assistance during a tough time, in case of deafness.

So, go ahead and get insured today!

II/Oct 2018/4527


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