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Critical illness insurance, otherwise known as critical illness cover or a dread disease policy, is an insurance product in which the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the specific illnesses on a predetermined list as part of an insurance policy.
CATS receives ~2200 referral calls and performs ~1200 critical care retrievals each year. Over 75% of these children are too unwell to breathe for themselves and require anaesthesia and a ventilator. A third need inotropic support, and about 5% require inhaled nitric oxide during transport. Telephone advice, liaison with sub-specialist medical ...
The UK's National Health Service (NHS) is a publicly funded healthcare system that provides coverage to everyone normally resident in the UK. It is not strictly an insurance system because (a) there are no premiums collected, (b) costs are not charged at the patient level and (c) costs are not pre-paid from a pool.
Terminal illness insurance (known as accelerated death benefit in North America) pays out a capital sum if the policyholder is diagnosed with a terminal illness from which the policyholder is expected to die within 12 months of diagnosis by a physician who specializes in that illness or condition. The payout is still valid even if the insured ...
Intensive care medicine, usually called critical care medicine, is a medical specialty that deals with seriously or critically ill patients who have, are at risk of, or are recovering from conditions that may be life-threatening. [1]
A catastrophic illness is a severe illness requiring prolonged hospitalization or recovery. Examples include [ 1 ] cancer , heart attack or stroke . These illnesses usually involve high costs for patients and health insurance companies and may incapacitate the person from working, creating a financial hardship.
Marius Stephanus Barnard (3 November 1927 – 14 November 2014) was a South African cardiac surgeon and inventor of critical illness insurance. [2] [3]Barnard was a member of the team headed by his brother Christiaan Barnard that performed the world's first human-to-human heart transplantation in 1967. [4]
Terminal illness or end-stage disease is a disease that cannot be cured or adequately treated and is expected to result in the death of the patient. This term is more commonly used for progressive diseases such as cancer , rather than fatal injury.
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