Clarification Between Terminal Illness Cover And Critical Illness Cover

There is a lot of confusion going on between the terminal illness cover and the most famous critical illness cover all around

. The main reason for this confusion is their names which sounds the same and people often use the name of critical illness cover in place of terminal illness cover or vice versa. But in reality, both are absolutely different from one another and their concepts also differ as well. If you also have the same type of confusion in your mind then this article would surely clarify your concepts right away.

If you better equip yourself by knowing the contrast between the two policies then you would better focus your attention towards the selection later on. You would also be able to draw the line between the two thus would also be able to compare their benefits as well. The terminal illness cover as the name indicates is the fatal illness in which the doctor confirms your death within a year or so. The terminal illness cover portrays an extremely dark and gloomy picture of your life as it is market by conveying the strict seriousness of your death.

Another distinct feature of the terminal illness cover is this is that you can't get this policy as a single policy. You are bound to buy it as a combination with some other health insurance policy. However the best part of this illness cover is this that plenty of other insurance policies including the critical illness cover insurance policy provide you the terminal illness cover as a free policy without any charge. This is really amazing as it completely ignore the saying of "lunch is never free in America".

Moreover keep it in your mind that the two polices i.e. critical illness cover and the terminal illness cover is not exactly same. You can learn this different with a real life example in which the victim gets blind unfortunately. Would the victim die because of blindness? Of course not, the victim would survive and would live his or her living till death. Even the victim can live for another 70 or more than 70 years after the blindness. The reason is this that blindness is not a life threatening disease and the terminal illness cover cannot entertain this type of victim.

This is the actual different between the two policies and that is the only reason of the peoples preference of critical illness cover over terminal illness cover insurance policy. The terminal means the final certificate of death granted by the medical science. But on the other hand critical illness cover means that the illness is almost life threatening but the patient can recover after proper medical treatment.

Hence if you are afraid of some critical illness during the next few years when your bank balance cannot let your family to afford the expensive medical treatments then you must take the critical illness cover and of course the probability to get the free terminal illness cover is there already.

Copyright (c) 2011 Joe Maldonado

by: Joe Maldonado

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