Working as a locum or contractor can be incredibly appealing: greater flexibility, higher pay, and more opportunities to travel or spend time with loved ones. If you’re looking for a better work/life balance, this path might feel like exactly what you need at this stage of life.
How would you handle a diagnosis that changes everything? Critical illnesses often progress silently, catching you off guard and leaving little time to prepare. In those moments, wouldn’t knowing you have guaranteed financial support be reassuring? Life doesn’t offer guarantees, but the TMA Member Critical Illness Insurance plan does.
As a physician, you devote your life to caring for others—but when a serious illness disrupts your life, who will care for you? TMA Insurance Trust, created by physicians for physicians, understands the unique demands you face. That’s why we’re offering two guarantees to help ensure you have the protection you deserve:
A diagnosis you don’t plan for can turn your world upside down. It’s a reality faced by millions each year. In 2024 alone, two million new cancer cases were diagnosed nationwide,1 with 147,910 projected in Texas.2 Strokes, Alzheimer’s disease, and major organ failure are among the many life-altering conditions that take a devastating toll. In the United States, a heart attack occurs every 40 seconds.3
A sudden diagnosis of a serious illness can be life-altering, impacting your ability to work and provide for your loved ones. During these uncertain times, getting the care you need is essential but these costs can quickly add up, putting your financial security at risk. Even with your current health insurance plan, the cost of critical care may far exceed what your traditional health insurance will cover.
As a physician, you grasp the fragility of life better than most and no doubt grapple with life’s uncertainties yourself. If you or someone you love has had to confront an unexpected, life-altering illness, you can truly appreciate how devastating it would be navigating one's declining health and the threat of inadequate finances to pay for treatment.
Life is unpredictable and full of surprises; some pleasant, and others not. The abrupt and unexpected diagnosis of a critical illness falls into the latter category. It goes beyond threatening your health and disrupting your daily routines; your family's financial security is also at risk. Taking proactive measures becomes imperative.
When you or a loved one receives a serious illness diagnosis, quick decisions are crucial. In those urgent moments, financial concerns often take a back seat as you focus on the best possible outcome, regardless of the cost. Critical illness insurance steps in to help provide the extra funds you need during uncertain times.
