There are many things in life we should never sideline until the last minute, and sitting near the very top of the list is Critical Illness.
Being inflicted by Critical Illnesses can affect a patient’s physical being, and result in mental and financial stress on the patient, including his family members and caregivers.
As the impact caused by Critical Illnesses can disrupt you and your family’s lives, we need to be better-informed so we can be better prepared when it strikes.
What are the Critical Illness conditions?
According to the Life Insurance Association (LIA), there are 37 medical conditions classified as Critical Illness. While some listed medical conditions (such as Blindness or Severe Dementia) may not seem life-threatening, they are life-changing to those afflicted.
|37 Critical Illnesses according to LIA|
|Major Cancer||Heart Attack of Specified Severity||Stroke with Permanent Neurological Deficit|
|Coronary Artery By-pass Surgery||End Stage Kidney Failure||Irreversible Aplastic Anaemia|
|End Stage Lung Disease||End Stage Liver Failure||Coma|
|Deafness (Irreversible Loss of Hearing)||Open Chest Heart Valve Surgery||Irreversible Loss of Speech|
|Major Burns||Major Organ / Bone Marrow Transplantation||Multiple Sclerosis|
|Muscular Dystrophy||Idiopathic Parkinson’s Disease||Open Chest Surgery to Aorta|
|Alzheimer’s Disease / Severe Dementia||Fulminant Hepatitis||Motor Neurone Disease|
|Primary Pulmonary Hypertension||HIV Due to Blood Transfusion and Occupationally Acquired HIV||Benign Brain Tumour|
|Severe Encephalitis||Severe Bacterial Meningitis||Angioplasty & Other Invasive Treatment for Coronary Artery|
|Blindness (Irreversible Loss of Sight)||Major Head Trauma||Paralysis (Irreversible Loss of Use of Limbs)|
|Terminal Illness||Progressive Scleroderma||Persistent Vegetative State (Apallic Syndrome)|
|Systemic Lupus Erythematosus with Lupus Nephritis||Other Serious Coronary Artery Disease||Poliomyelitis|
|Loss of Independent Existence|
Are we even prepared when Critical Illness strikes?
People don’t typically think that Critical Illness will happen to them especially if they’re young and far from retirement age. After all, what are the odds?
Here are the odds: for cancer alone, a single day in Singapore will see about 39 people being diagnosed with it and 15 people dying from it. In fact, 1 in 4 people may develop cancer in their lifetime.1