Critical Illness Insurance Can Take Away Some Of The Pain
The Smiths were an everyday family.Alice was the homemaker, James had a secure job driving for Pickfords. They’d been together for 16 years and had twins aged 7 and a daughter aged 8 and a lived in a detached house in Bramhall South Cheshire. They were planning to go on holiday to Altea on the Costa Blanca in the summer.
So life was secure and they were very happy. They had good friends, mostly through the school that their twins attended and a pretty good social life.
All of a sudden things changed. Neil had been having intermittent headaches for the past two months but didn’t take much notice of it – certainly no cause to take time off work to see the Doctor. Gemma had given him a box of Anadin to take to work just in case it became much worse.
It was a Thursday and the day began just like any other. Mary was in her p-jays in the kitchen making lunch for Neil to take to work. The little ones were squabbling as usual. Neil was in the bathroom shaving.
Then there was a tremendous bang. It wasn’t like a vase falling on the floor. It was somehow ominous, like a big bag of spuds dropping. And it came from the bedroom.
Mary’s heart fell. Someway instinct told her something wasreally wrong, very very wrong. In a second she was up the stairs and pressed to the bedroom door. It moved open a fraction and stopped. She pushed and pushed but something was obstructing the door from opening any more. She poked her head around the door and the blood drained from her face. There was Peter frozen on the floor, crumpled up face down.
For a few seconds she tensed. Then she screamed with horror
It took 25 minutes for the ambulance to come and approximately 3 more minutes for the Paramedics to diagnose that James had just had a serious stroke. Would he recover? To be frank he was dangerously ill. The Doctors would be able to confirm how serious things were at the hospital.
Peter did get better. He had 5 long months in the infirmary followed by two more months at a expert treatment centre. To begin with he was in a wheelchair but in time he began to walk small distances with the aid of crutches.
But at the age of 33 he would never go to work again.
Does this seem to be your worst fear?
Statistics show that 1 in 5 men and one in five women experience a serious illness before their normal retirement age. Peter was extremely young to have had a stroke but there are always risks like these in life.
Peter’s stoke came out of the blue but millions of families do take out medical insurance to providesupply financial aid should something like this crop up. It’s referred to as Critical Illness Insurance. This kindof insurance gives out a tax free lump sum if the insured is indentified with a critical illness. A characteristicly insured sum would be in the 120,000 pounds to £250,000 – it’s for the policyholder to choose. (What constitutes a “critical illness” is defined within the insurance documents but they nearly always cover cancer, heart attacks and strokes and normally many of other illnesses and conditions as well.)
Life Insurancecan’t help mend the stroke but it could certainly make sure that financially, things were tolerable.
This entry was posted on Monday, August 31st, 2009 at 5:27 am and is filed under General. You can follow any responses to this entry through the RSS 2.0 feed. Both comments and pings are currently closed.