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 (Myocardial Infarction)
• Stroke
• Multiple Sclerosis
• Alzheimer Disease
• Paralysis
• Coronary Artery Bypass
• Kidney Failure
• Parkinson Disease
• Major Organ Transplant and Major Failure on Waiting List
• Motor Neuron Disease
• Bacterial Meningitis
• Aortic Surgery
• Heart Valve Replacement
• Aplastic Anaemia
• Loss of independence
• Blindness
• Deafness
• Major Burns
• Loss of Speech
• Coma
• Benign Brain Tumour
• Dismemberment
• Occupational HIV Infection
   

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