In the presence of terminal illness, palliative care may
include the treatment of physical changes secondary to the declining medical
condition, at times employing the same therapies that in other instances are
used for curative purposes.
Some studies show that individuals with a terminal illness
prefer their doctors and other care providers to think of them primarily as
persons who are living with a life threatening condition, instead of as dying
patients
The current policies that are making the news today are the Critical
Illness Plans that often exist with Life Insurance. The policy will cover
transportation to and from hospitals if inpatient or outpatient is needed,
including the cost the family or mate will need to visit.
The coverage will also cover medical treatment and
procedures, including in-home care, nurse visits, vacations, car and home modifications,
and more.
Since our air is filled with contaminations that are claiming health
everyday, we can never feel it is too late to get coverage. Many of the
policies available, including Terminal Ill,
Critical Illness, and Life Insurance are often affordable, making it easy to
cover an entire family.
The different polices also include, Single Plans and Joint
Policies. It is important to understand that Single Polices are often more
expensive than Joint Policies, however the Single policies will cover each
member of your household if you fall ill and/or die.
If you have a Joint Policy
and die, then the additional members will have no resource for burial expenses,
or other related costs.
- By
terminal, we mean: suffering from an advanced or rapidly progressing
incurable illness where, in the opinion of the Chief Medical Officer of
Legal & General, your life expectancy is less than 12 months.
- Terminal
Illness Cover is not available during the last 18 months of your life
insurance, or mortgage life insurance policy term and is only available on
plans with a term of at least two years.
- Once a
terminal illness claim has been accepted, your term assurance, or mortgage
term assurance, plan will end and no more pay outs can be claimed. No
premiums will be payable, either.
- If,
after a terminal illness claim has been accepted, you survive to the end
of the term, you will not have to pay back the terminal illness payment
received. However, no further pay outs can be claimed on the policy
- Terminal
Illness Cover is included at no extra charge in Legal & General's
Level Term Assurance, Mortgage Term Assurance, and Mortgage Decreasing
Term Assurance policies.
- Terminal
Illness Cover ensures that your life insurance or mortgage life insurance
policy will pay out the full amount if you are diagnosed with a terminal
illness, rather than when you die.
- You'll
need to be eligible to claim so, for example, if you've stopped paying
your premiums, or failed to tell us about a medical condition, your policy
may not pay out.
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