We cover four common major nasty illnesses for our near death plan:
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.
Serious Heart Attack
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).
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).
MS which results in persisting clinical impairment of motor or sensory function (Supported by findings of objective evidence on MRI).