Scottie lives in country NSW with his wife and daughter and works as a Project Manager. He was diagnosed with bowel cancer (second most commonly diagnosed cancer in Australians in 2017) when he was 40. He initially questioned the need, but we explained that as you get older, insurance is harder to obtain for this very reason.
As well as the pressures of his illness, Scottie was suddenly faced with a range of expenses and no income to cover them. His health insurance paid for some of treatment, but much of it had to be paid up front and then claimed back.
Luckily when Scottie cam to see us initially we set him up a critical illness policy that covers a range of conditions including cancer heart attack and stroke, Within 48 hours of approval. His Critical Illness claim was paid the week before he was scheduled for surgery.
Scottie later claimed on his Income Protection cover, giving him peace of mind during his recovery and letting him take a holiday with his family.