Harmony lets you face illness without the financial worry. Upon diagnosis of a critical illness covered by our contracts, insureds receive a lump sum payment that they can use as they see fit and thus focus on their recovery. From the time they are diagnosed with a critical illness to their recovery, Harmony also offers a specialized assistance service called Prompt Recovery. It includes Best Doctors, a valuable service to have in the event of critical illness. 

Insurable Illnesses

Harmony insurance is a health benefit in a single lump sum if the client survives the diagnosis of one of the following illnesses by 30 days:
 

• Cancer
• Heart Attack
• Coronary Artery Bypass Surgery
• Heart Valve Replacement
• Aortic Surgery
• Stroke (Cerebrovascular Accident)
• Multiple Sclerosis
• Alzheimer's Disease
• Parkinson's Disease
• Paralysis
• Loss of Limbs
• Blindness
• Deafness
• Loss of Speech
• Major Organ Failure on Waiting List
• Major Organ Transplant
• Kidney Failure
• Bacterial Meningitis
• Coma
• Severe Burns
• Benign Brain Tumour
• Motor Neuron Disease
• Occupational HIV Infection
• Aplastic Anemia
• Loss of Independent Existence
   

Recovery Cash Advance
The critical illnesses shown below are eligible for the Recovery Cash Advance. The benefit payable is equal to 10% of the sum insured.
 

• Early Prostate Cancer
• Ductal Carcinoma in situ of the Breast
• Stage 1A Malignant Melanoma
• Coronary Angioplasty
   

Serious effects caused by these 4 infectious diseases

• West Nile Virus
• Lyme disease
• E.coli infection
• Necrotizing fasciitis