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A Practical Guide to
           Critical Illness
                                                       In association with:
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What is a critical illness?
Like many undesirable subjects in life, when it comes to thinking about serious or critical
illnesses such as cancer, heart attack or stroke, it’s easier to put our heads in the sand. These
things happen to other people, right? Sadly, the statistics suggest otherwise. Many of us will
know or have heard of someone who has had a serious illness, and seen how it’s affected them
emotionally and financially.
But it’s not all bad news. Increasingly we hear of survival rates improving thanks to faster diag-
nosis, better surgery, more effective radiotherapy and new drugs. However, improved survival
rates mean that more people are living with the effects of serious illnesses. And this is where
critical illness insurance can really help.
How would you and your family survive financially if you were unable to work because of illness?
Most employers would only provide sick pay for a limited period of time, and the state only
provides a limited amount. Critical illness plans on the other hand pay out a tax-free lump sum if
you suffer a serious illness, enabling you to pay off your mortgage, cover your everyday bills, or
fund private treatment. Most plans protect against a range of conditions.
Bright Grey covers 35 illnesses, including multiple sclerosis, Parkinson’s disease, Alzheimer’s
disease, loss of sight, speech, limbs or hearing. Furthermore, as soon as a claim is made it will
also provide you with a qualified nurse adviser, as part of its Helping Hand service, who is on hand
to support you and your family emotionally.
The service can also arrange supplementary treatment or therapy to aid your recovery and the
help will be there at no extra cost, for as long as you need it – whether you make a claim or not.
Not only that, but Bright Grey automatically includes £20,000 free children’s Critical Illness Cover
for each child with every Critical Illness Cover plan.
It’s tempting to put off a decision like this, but the younger you are when you start the plan, the
cheaper the premiums, so it’s never too soon to start thinking about protecting you and your
family. An adviser can help you buy the product that’s right for you.
For more information about protection from Bright Grey, go to www.brightgrey.com or
phone our Customer Care Team on: 0845 6094 500.
                                                                                          A Practical Guide to
                                                                                                                                                    Critical Illness
Critical Illness: the conditions, the cover and the care
With advances in medical care, more and more people                          However, thousands of people also suffer other kinds                years old and a third of claimants were 40 years old or
now survive illnesses once thought to be fatal. Many people              of critical illnesses each year and receive payments that               under. The average pay out was nearly £90,000.
will go on to lead a relatively normal life, but they may not            help them to cope financially – thanks to their Critical                   Some critical illness insurers also offer other support
enjoy the same mobility or good health that they did before.             Illness Cover. Most life insurance companies that provide               services to individuals. Bright Grey, for example, provides
Often big changes in lifestyle have to be made and this can              Critical Illness Cover include financial protection against             access to Helping Hand. The service, which is included in
affect a person’s ability to earn the same salary they did               23 conditions, outlined by the Association of British                   the cost of all Bright Grey menu plans, offers you and your
before the illness. Critical Illness Cover provides you with a           Insurers. Some, such as Bright Grey, offer cover for                    family a broad range of support as soon as you make a
lump sum or a monthly income, making it easier to cope                   additional ones too. Information about some of the most                 claim, or as soon as you or a member of your family dies or
financially when you need to concentrate on getting better.              common ones can be found overleaf.                                      becomes critically or terminally ill. It provides emotional and
   The majority of claims that people make on their                          The vast majority of claims made by individuals who                 practical support from a professional nurse adviser as well as
Critical Illness Cover (for example, 74% of claims                       have Critical Illness Cover are paid. Bright Grey, for                  professionally manned helplines whenever you need them.
received by Bright Grey) are for cancer. The most                        example, paid 95% of critical illness claims in the first                  The statistics included in this guide were kindly
common cancers are those highlighted below.                              six months of 2010. The youngest claimant was 22                        supplied by RGA UK.




    Lung cancer                                                                                                                                  Breast cancer

Incidence (per 10,000) ..........................................4.7                                                                             Incidence (per 10,000) ........................................ 6.5*
Deaths (annual) ...............................................29,660                                                                            Deaths (annual) ...............................................10,727
Proportion of Critical Illness Cover claims ...... 2.2%                                                                                          Proportion of Critical Illness Cover claims ....... 21%

Lung tumours arise in the tissues of the lung or the cells                                                                                       Breast cancers usually form in the 15-20 lobes contained
lining the bronchi. Most cancers are caused by smoking                                                                                           within each breast or within the ducts that link the lobes.
and lung cancers continue to be the leading cause of                                                                                             Around 60% of breast cancers are found at an early stage
cancer-related deaths. Most lung cancers present at an                                                                                           (localised) and can be treated successfully. However,
advanced or terminal stage and around 50% die within                                                                                             breast cancer continues to be the leading cause of cancer
four to six months of diagnosis. Treatment is aimed at                                                                                           death in women. In the UK about 46,000 cases of breast
reducing pain and suffering.                                                                                                                     cancer are recorded annually of which 300 cases are male.

                                                                                                                                                 *Incidence rate for males and females




                                                                                                                                                                   Many Critical Illness
                  Cancer, heart attack and
                                                                                                                                                                   products also include
                 stroke together comprise
                                                                                                                                                                   cover for children so that,
                 around 83% of all Critical
                                                                                                                                                                   in the sad event of their
               Illness Cover claims made
                                                                                                                                                                   becoming ill, you can take
                each year. However many
                                                                                                                                                                   time out from work to look
                    other claims are made
                                                                                                                                                                   after them and make their
                   for a variety of different
                                                                                                                                                                   life more comfortable.
               conditions each year. Turn
                                                                                                                                                                   Bright Grey, for example,
                    overleaf to see the full
                                                                                                                                                                   provides up to £20,000 free
                    list of critical illnesses
                                                                                                                                                                   Children’s Critical Illness
                   covered by Bright Grey.
                                                                                                                                                                   Cover for each child.




Prostate cancer                                                          Colorectal cancer                                                       Bladder cancer

Incidence (per 10,000) ........................................ 9.5*     Incidence (per 10,000) ..........................................4.5    Incidence (per 10,000) ..........................................1.2
Deaths (annual) .................................................9,230   Deaths (annual) ...............................................14,030   Deaths (annual) .................................................4,360
Proportion of Critical Illness Cover claims ...... 2.3%                  Proportion of Critical Illness Cover claims ...... 4.1%                 Proportion of Critical Illness Cover claims ...... 0.3%

The prostate, found only in men, is a small gland                        Colorectal cancer arises in any part of the large bowel,                Bladder cancer develops in the inner lining of the urinary
located just below the bladder. Prostate cancer is                       although it commonly appears in the lower part (e.g.                    bladder. The majority of bladder cancers are discovered
typically a slow-growing tumour and is the most                          sigmoid colon or rectum). About 60% of colorectal                       at an early stage and can be treated successfully. Minor
common cancer in elderly men. Most prostate                              cancers are not found until they have spread to another                 recurrences are common.
cancers are found at an early stage and can be                           part of the body. Even then successful treatment is
treated successfully. After the cancer has spread to                     possible for some cases.                                                                                                  In association with:

other parts of the body, treatment can be given to
help control the cancer.
                                                                                                                                                                                                                      R




*Incidence rates for males only
Cancer (65%), heart attack (11%) and                Coma – resulting in permanent symptoms
stroke (6.8%) have traditionally been the
                                                    Incidence (per 10,000) ................... 0.03
cause of most claims made for Critical              Deaths (annual) ................................. 99
Illness Cover. In addition to cover for             Proportion of Critical
                                                    Illness Cover claims .................... 0.7%
cancer (highlighted overleaf), the full list of
conditions covered by Bright Grey Critical
Illness Cover – which can affect both               Coronary artery bypass grafts – with
                                                    surgery to divide the breastbone
women and men – is below. For more
information visit www.brightgrey.com.               Incidence (per 10,000) ...................... 12
                                                    Deaths (annual) ............................... 339
                                                    Proportion of Critical
                                                    Illness Cover claims .................... 1.4%
Alzheimer’s disease – resulting in                                                                          Parkinson’s disease – resulting in
permanent symptoms                                                                                          permanent symptoms
                                                    Deafness – permanent and irreversible
Incidence (per 10,000) ...................28                                                                Incidence (per 10,000) ..................3.6
Deaths (annual) .........................5,697      Incidence (per 10,000) ..................... 0.3        Deaths (annual) .........................4,371
Proportion of Critical                              Deaths (annual) ................................... 0   Proportion of Critical
Illness Cover claims ................. 0.3%         Proportion of Critical                                  Illness Cover claims ................. 0.7%
                                                    Illness Cover claims .................. 0.03%

Aorta graft surgery – for disease or                                                                        Stroke – resulting in permanent
traumatic injury                                    Heart attack – of specified severity
                                                                                                            symptoms

Incidence (per 10,000) ..................1.8        Incidence (per 10,000) ...................... 35
                                                                                                            Incidence (per 10,000) ...................41
Deaths (annual) ............................484     Deaths (annual) .......................... 31,283
                                                                                                            Deaths (annual) .......................34,553
Proportion of Critical                              Proportion of Critical
                                                                                                            Proportion of Critical
Illness Cover claims ................. 0.1%         Illness Cover claims .................. 11.5%
                                                                                                            Illness Cover claims ................. 6.8%


Aplastic anaemia – requiring regular                Heart valve replacement or repair – with
                                                    surgery to divide the breastbone                        Third degree burns – covering 20%
blood transfusions
                                                                                                            of the body’s surface area or 50%
                                                    Incidence (per 10,000) ..................... 2.3        loss of surface area of the face
Incidence (per 10,000) ................0.02
Deaths (annual) ............................125     Deaths (annual) ............................... 296
                                                    Proportion of Critical                                  Incidence (per 10,000) ..................0.3
Proportion of Critical
                                                    Illness Cover claims .................... 1.2%          Deaths (annual) ............................188
Illness Cover claims ............... 0.03%
                                                                                                            Proportion of Critical
                                                                                                            Illness Cover claims ................. 0.1%
                                                    Kidney failure – requiring dialysis
Bacterial meningitis – resulting in
permanent symptoms
                                                    Incidence (per 10,000) ..................... 1.3
                                                    Deaths (annual) ............................ 3,961      Bright Grey, like some other critical illness
Incidence (per 10,000) ..................0.4
                                                    Proportion of Critical                                  insurance providers, also includes cover for the
Deaths (annual) ..............................75
                                                    Illness Cover claims .................... 0.7%          following conditions.
Proportion of Critical
Illness Cover claims ................. 0.1%
                                                                                                            See www.brightgrey.com for more details.
                                                    Liver failure – end stage
                                                                                                            Creutzfeldt-Jakob disease (CJD) – resulting in
Benign brain tumour – resulting in
                                                    Incidence (per 10,000) ..................... 0.5         permanent symptoms
permanent symptoms                                  Deaths (annual) ............................ 7,402
                                                    Proportion of Critical                                  HIV infection – caught from a blood transfusion,
Incidence (per 10,000) ..................0.3        Illness Cover claims .................. 0.03%            a physical assault or at work
Deaths (annual) ............................322
Proportion of Critical                                                                                      Loss of hands or feet – permanent physical
Illness Cover claims ................. 2.2%                                                                  severance
                                                    Major organ transplant
                                                                                                            Loss of independent existence – resulting in
                                                    Incidence (per 10,000) ..................... 0.8         permanent symptoms
Blindness – permanent and irreversible              Deaths (annual) ............................... 169
                                                    Proportion of Critical                                  Loss of speech – permanent and irreversible
Incidence (per 10,000) ..................1.1        Illness Cover claims .................... 0.3%
Deaths (annual) ................................2                                                           Open heart surgery – with surgery to divide
Proportion of Critical                                                                                       the breastbone
Illness Cover claims ................. 0.1%         Motor neurone disease – resulting in
                                                                                                            Pre-senile dementia – resulting in permanent
                                                    permanent symptoms
                                                                                                             symptoms
Cardiomyopathy – of specified severity              Incidence (per 10,000) .................... 0.6         Primary pulmonary hypertension – of specified
                                                    Deaths (annual)........................... 1,683         severity
Incidence (per 10,000) .....................1       Proportion of Critical
Deaths (annual) .........................1,560      Illness Cover claims ................... 0.6%           Progressive supranuclear palsy – resulting in
Proportion of Critical                                                                                       permanent symptoms
Illness Cover claims ................. 0.1%
                                                                                                            Severe lung disease – resulting in permanent
                                                    Multiple sclerosis – with persisting
                                                                                                             symptoms
                                                    symptoms
                                                                                                            Systemic lupus erythematosus – with severe
                                                    Incidence (per 10,000) ...................... 10         complications
                                                    Deaths (annual) ............................ 1,002
                                                    Proportion of Critical                                  Traumatic head injury – resulting in permanent
                                                    Illness Cover claims .................... 5.2%           symptoms



                                                    Paralysis of limbs – total and
                                                    irreversible                                                                                              In association with:

                                                                                                                                                                                R
                                                    Incidence (per 10,000) ..................... 0.2
                                                    Deaths (annual) ............................... 109
                                                    Proportion of Critical
                                                    Illness Cover claims .................... 0.2%

				
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posted:4/19/2012
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