Discussion

Animal models play a central role in biomedical research by providing a controlled biological system to study human diseases, drug responses, and therapeutic mechanisms. Researchers use various species—such as mice, rats, zebrafish, and primates—because they share significant genetic, physiological, and anatomical similarities with humans. These models help scientists observe disease progression in real time, test the safety and efficacy of new drugs, and validate molecular targets before human trials begin.

Critical illness insurance plays a vital role in safeguarding individuals and families from the financial burden associated with severe medical conditions such as cancer, stroke, heart attack, or organ failure. Unlike traditional health insurance, which reimburses hospital bills or covers medical expenses, critical illness insurance offers a lump-sum payout upon diagnosis of a covered condition. This amount can be used at the policyholder’s discretion—not only for treatment but also for income replacement, travel for specialized care, rehabilitation, or even daily living expenses.