Skip Navigation Links
Claiming under critical illness for dementia
06 Nov 2020 (109 views)

A member asked me how an insurance company will treat a claim for dementia as a critical illness.

He said that his wife has early stage dementia and is often forgetful. 

I said that this symptom probably affects many old people. It is likely that a claim under the critical illness policy would probably require a more severe stage of dementia. 

Here is the definition of 37 medical conditions covered under a critical illness policy. Link.

The critical illness claim is under item 19, which reads as follows:

19. Alzheimer's Disease / Severe Dementia
Deterioration or loss of intellectual capacity as confirmed by clinical evaluation and imaging tests, arising from Alzheimer's disease or irreversible organic disorders, resulting in significant reduction in mental and social functioning requiring the continuous supervision of the life assured. This diagnosis must be supported by the clinical confirmation of an appropriate consultant and supported by the Company's appointed doctor.
The following are excluded:  Non-organic diseases such as neurosis and psychiatric illnesses; and  Alcohol related brain damage.


 


Claiming under critical illness for dementia
[Back] [Print]


A member asked me how an insurance company will treat a claim for dementia as a critical illness.

He said that his wife has early stage dementia and is often forgetful. 

I said that this symptom probably affects many old people. It is likely that a claim under the critical illness policy would probably require a more severe stage of dementia. 

Here is the definition of 37 medical conditions covered under a critical illness policy. Link.

The critical illness claim is under item 19, which reads as follows:

19. Alzheimer's Disease / Severe Dementia
Deterioration or loss of intellectual capacity as confirmed by clinical evaluation and imaging tests, arising from Alzheimer's disease or irreversible organic disorders, resulting in significant reduction in mental and social functioning requiring the continuous supervision of the life assured. This diagnosis must be supported by the clinical confirmation of an appropriate consultant and supported by the Company's appointed doctor.
The following are excluded:  Non-organic diseases such as neurosis and psychiatric illnesses; and  Alcohol related brain damage.