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Dealing With Terminal Illness

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If you know the difference between Terminal and Critical illness insurance, you might save some time in choosing the right insurance for you. Critical illness cover may provide you with a more advantageous policy than terminal illness policy. More precisely, you may end up having more benefits with critical illness policy for your money contributed than terminal illness policy. Statistics may reveal that 1 out of 5 men may suffer from a critical illness before reaching the age of 65. On the other hand, 1 out of 6 women may also endure the same fate.



Moreover, critical illness conditions continue beyond heart attack, stroke and cancer. Therefore, many insurance companies may now provide people with extended critical illness covers. The extended critical illness cover may vary from one company to another. But we will now have a look at terminal illness related critical illness insurance.

Almost all companies provide cover for both types of policies. However, people willing to have an extended critical illness cover may have to ask for a separate quote from their insurers. But the majority of insurance companies may add terminal illness as an extended coverage at no extra cost. Critical illness policies may be considered as comprehensive policies. The reason behind could be that critical illness policies may cover up to 20 critical illnesses. So, it could towards your advantage to get such a critical illness plan even if the price tag is high. This might become helpful to you especially at the time when you suffer from a critical illness. At that time, you could ensure a degree of financial security.

Nowadays, critical illness policies may provide cover for blindness in contrast to terminal illness policies. Should you become blind after accident or contract heart attack, your critical illness insurance may provide you with a tax free lump sum. This could help you settle your existing debts, assure living expenses as well as coping with medical treatment charges. The payout may also act as a replacement for your loss income if you are unable to attend work. Here are some of the diseases that your critical illness may cover you against: severe burns, Parkinson's disease, motor neuron disease, ongoing disability, HIV/AIDS resulting from non sexual activity, cancer, heart attack, deafness, and kidney failure among others. Some critical illness policies award coverage against diseases such as Alzheimer's, Bacterial Meningitis, Niles Disease, etc.

Furthermore, when you make an application for critical illness cover, the insurers may take certain factor in consideration. These may be described as workplace, health, age, whether you smoke or not among others. Sometimes insurers may take for granted everything you tell them at the time of application. So, it could be against your own advantage if you do not provide a complete disclosure to everything asked to you. Also, many people may seek for a combined critical illness policy. For example, critical illness insurance with life insurance. Should you suffer from a critical illness in the future, the policy may award you a payout with the policy still remaining in force. Thus, your dependants may continue to be secured for a much future time due to the life insurance.

Premium payments may also increase according to the risk factors associated with a particular critical illness. For example if you smoke, your chances of contracting lung cancer may increase. Therefore, your premium payments may also take an ascending trend. But considering your life and your family, it may be well worth taking out critical illness cover.
Dealing With Terminal Illness
Spontaneous healing cannot be explained by conventional medicine which perceives 'illness' as separate from 'self'

This means illness can only be treated with outside agents such as surgery, pills, radiation, chemotherapy and a host of other medicines.

This a limited view of illness and other inputs need to be factored into the equation.

Body and mind are linked

Illness and the immune system need to be seen in the context our whole self. Our mind and our body are not separate, but interwoven and work together and influence each other.

The mind is not separate from the body and our moods and personality have an important impact on the healing process.

We have all heard stories of people who died, because they simply lost the will to live.

It is therefore obvious that if we have a will to live, our odds of recovery from any illness will improve dramatically.

The healing process

Improving our diet, our over-all health and our immune system contributes to the healing process and improves and impacts on our chances of recovery.

The process of healing is unique for everyone and no two individuals are exactly alike what works for one person may well not work for another.

You must use the techniques that are right for you. To maximize your body's ability to heal, you must know yourself and build your healing plan around self knowledge.

Our body has great potential to heal itself.

Thousands of cases of 'spontaneous' healing from serious life-threatening disease have been recorded and some people who “should" die didn’t.

The ability of some people being able to survive can be put down to spontaneous healing and the influence of the whole self mind and body to combine and fight and overcome insurmountable odds.

With the renewed interest in the relationship between self and illness, many scientists and physicians have begun to study spontaneous healing from untreatable 'diseases.

By doing so they hope to use this knowledge so it can be used to aid the healing process in others.

People who survived untreatable diseases with spontaneous healing tend to have certain things in common listed below:

1. They have a strong belief in their body's ability to heal in spite of sometimes confronting insurmountable odds.

2. They assume responsibility for their health and recovery and don’t necessarily belief everything the experts are telling them. Some are told they are guaranteed to die but they refused to accept their fate.

3. Many people undergo a 'spiritual transformation' – and find the joy to want to live more than ever before this re-awakening brings new meaning to their lives. Once spontaneous healing has occurred, they reflect on their illness as a blessing that transformed their mood personality and outlook.

4. People who have undergone spontaneous healing tend to have better more meaningful relationships with others.

5. People who undergo spontaneous healing tend to reassess their lives, making very significant changes to their diet, life-style, aims and aspirations making them feel better and derive more from life.

6. You are what you eat and many people who recover ditch the junk food and bad diet forever, moving towards a more healthy diet and lifestyle.

7. People who have experienced spontaneous healing enjoy life more; maybe only people who have been close to death can really appreciate the gift of life.

Man is more than the sum of the parts of the physical body.

He has both psychological and spiritual components.

The above traits clearly show that the mind is involved in overcoming illness.

Spontaneous healing refers to those situations where the body recovers its wholeness when normal body healing mechanisms have been exhausted and medicine fails, it is here the whole self comes into play:

A union of mind and body working together to achieve the healing process.

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