Critical illness coverage is usually an optional benefit issued under life insurance policies. However, it can be offer as a standalone product. When issued under life insurance, the insured is required to pay a lump sum, this can either be equal to or less than the base policy sum assured to enjoy critical illness benefits when diagnosed with life-threatening conditions during the coverage period. Some of the critical illnesses covered include stroke, cancer, major organ failure, coronary artery bypass, paralysis and more. Though critical illnesses covered depends on the insurer.
Critical illness cover is different from health insurance because it only covers pre-determined conditions. Under critical illness coverage, when diagnosed with a life-threatening condition, the insurer pays the sum assured since the benefit package is not restricted to treatment expenses. Contrary to this, health insurance only caters for treatment expenses. Thus, critical illness coverage should be taken as a complement to health insurance cover since it can be used to cater for out of pocket expenses in the event of life-threatening disease.
Critical illness benefits depend on certain conditions. So it’s important to confirm the dreaded diseases on the policy, and the provisions since most insurers don’t cover pre-existing or associated congenital conditions. Also, you cannot make claims when diagnosed with a critical illness before the waiting period expires. There’s also a survival clause, whereby the insured gets paid after surviving for a certain period after diagnosis, if death occurs before this, you will not get paid.
Critical illness cover benefit can either be accelerated or non-accelerated. An accelerated critical illness benefit reduces the lump sum amount payable under the base policy. While the non-accelerate benefits is independent since the lump sum payment has no effect on the base policy sum assured to getting a critical illness plan could be to borrow money from a lender.
Deadly diseases pose a great threat to the life of man. As lot of resources are channeled towards the treatment and management of the medical conditions. Cerebal palsey is a medical condition known to affect the brain tissue. The main part affected is known as cerebrum. This part plays a crucial role in physical development. Once affected, one’s physical growth is completely impaired. It is a congenital disorder. This means it is acquired during the development process in the womb. As a result, it is common among infants.
The causes of cerebal palsey are quite diverse. The most common one includes infection to the unborn child through exposure to radiation. During childbirth most women may experience birth-related complications. This may lead to physical trauma on the child, thus triggering the onset of cerebal palsey. The disease is known to hinder coordination between the brain and the movement of the limbs. This causes the affected persons to experience difficulties in walking. Since the disease also affects the muscles, patients may find it difficult to speak properly. This is attributed to the fact that both facial and oral muscles are made rigid, hence impairing good speech.
Other than congenital causes, oxygen deficiency in the brain and lead poisoning could also lead to the development of the disease.
When the disease is left unmonitored, advanced symptoms such as seizures, learning disabilities, and behavioral disorders will manifest.
Cerebral palsy is best diagnosed in children when they show signs of delayed mobility. Medically, radiology is known to produce effective results. This is because it shows exactly the affected brain part. Treatment involves administration of measures that will hinder the continued damage of the brain. In order to enhance speech and physical movement, speech therapy and physiotherapy are recommended.
Pain killers should also be administered to alleviate the intense pain. Surgery can also be carried out to correct the femoral bones that could be twisting.