near-death insurance Archives

MS which results in persisting clinical impairment of motor or sensory function (supported by findings of objective evidence on MRI).

What we won’t payout for

Multiple Sclerosis

Symptom only based diagnosis (symptoms with no clinical correlation on MRI).
Mild or transient symptoms
Incidental findings on MRI
If there is no definite diagnosis
MRI scans without clinically significant symptoms.

What we will payout for

Multiple Sclerosis

Definite diagnosis of MS by a consultant, and where the diagnosis is confirmed on MRI in combination with clinical symptoms, and there are persisting motor and sensory impairment as a direct result of a diagnosis of MS.

Multiple Sclerosis is a disease of the central nervous system (your brain and your spinal cord). The symptoms each person experiences can vary enormously.

A heart attack which leads to a permanent reduction in your heart’s effectiveness. (Measured by an ejection fraction of 45% or below at least one month after the attack)

What we won’t payout for

Ejection fraction above 45

A healthy heart has an ejection fraction of 50 or more. Between 45 and 50 there are some signs of damage, but normal physical activity is usually still possible.

What we will payout for

Ejection fraction 45 or lower

With an ejection fraction of 45 or lower, normal physical activity is likely to lead to fatigue, breathlessness, or palpitations.

The long term impact of a heart attack depends on the size of the area affected and the time between injury and treatment. We will payout if the attack leaves you with a heart that doesn’t pump as well as a normal one, and most likely makes normal daily activities more difficult.

A stroke which leaves you with permanent disability or impairment to your nervous system. (Measured as a level 2 or above on the Modified Rankin Scale at least one month after the stroke)

What we won’t payout for

Modified Rankin Scale – 0

No symptoms at all.

Modified Rankin Scale – 1

No significant disability. Can do all your normal activities, although there may be some symptoms.

What we will payout for

Modified Rankin Scale – 2

Slight disability. You can’t do all your normal activities, but you don’t need assistance.

Modified Rankin Scale – 3

Moderate disability. You need help with some activities, but you can walk unassisted.

Modified Rankin Scale – 4

Moderate severe disability. You can’t walk unassisted.

Modified Rankin Scale – 5

Severe disability. You’re bedridden and need constant care.

The effects of a stroke depends on where it takes place in the brain, and how big the damaged area is. For some people, the effects may be relatively minor and may not last long. Others may be left with more serious problems that make them dependent on other people. We payout if you can’t do the same things you used to do.

Not all cancers are equal, so we can only payout if it’s one which is not so easily treatable and is likely to have a bigger impact on your life, therefore we can only payout for cancer that has progressed to prognostic stage 2 or equivalent on TNM classification.

(We will not pay for benign tumours and skin cancers, except for melanoma that has spread beyond the skin).

What we won’t payout for

Stage 0: Cancer

A group of abnormal cells that is too small to form a tumour. They may develop into cancer in the future if untreated.

Stage 1: Cancer

A relatively small cancer that has not spread into surrounding tissue or lymph nodes. These cancers are easily treated and you’re likely to bounce back in a relatively short period.

What we will payout for

These cancers will require more serious treatment, possibly including chemotherapy, and are more likely to have a long term effect on your life.

Stage 2: Cancer

A larger cancer which has spread into the surrounding tissue or lymph nodes.

Stage 3: Cancer

A larger cancer which has spread more widely or deeper into the surrounding tissues or lymph nodes.

Stage 4: Cancer

Cancer which has spread to another organ.