Terminal Illness Insurance Is Not Critical Illness Insurance

To be diagnosed with a terminal illness of any kind can be a devastating time for not just the person being diagnosed with it, but all of their family and friends around them. Unfortunately as much as it is a difficult subject to discuss, in many cases it needs to be. A terminal illness is one that an individual will not recover from and will inevitably die from the condition diagnosed.

A terminal illness is described as an incurable ailment. In some cases the symptoms of the illness can be treated dependant upon the diagnosis. The treatment can only help you with your disease and unfortunately may not be able to cure it. Generally in most cases the individual will be given an estimated time span of how long they predict that they will live with the condition. Sometimes the doctors are correct and in other cases the doctors are close. This could be either way, it could mean that the individual has a greater life expectancy and with others it may mean that they die sooner than estimated.

It can be hard to come to terms with the news that you have been given by a doctor. This could be because they are unsure of what is going to happen to them pain wise, if they will be completely dependant or not, if they will lose control of their everyday bodily functions etc. This of course understandably is a very difficult and hard thing to come to terms with. It has been known for doctors to describe 6 different stages to coming to terms with being diagnosed with a terminal illness:

• Denial – this is more than likely the first reaction one can have upon the diagnosis of a terminal illness.

• Anger – the person may become angry after in many different ways. This could be for not taking better care of themselves or the doctor and others.

• Bargaining – this is where the person diagnosed tries their best to pro long the time that they have left. They can do this by sticking to routines of treatments, trying different things and doing everything possibly to extend their time left on this earth.

• Sadness – this possibly is the next stage after the patient has come to terms with what they have been told. In some cases this may turn into depression.

• Acceptance – some patients may never actually come to terms with what they have been told, however for others they can come to terms with it and try and live the remaining time they have left to the maximum.

• Final Stages – this is where the patient decides upon spending the rest of their days. This could be at home, hospital or in a hospice. All decisions are dependant upon the extent of the illness and the treatment that is needed.

Terminal illness is included in most life insurance policies.