49 Critical Illness That could thwart Financial Planning

49 Critical Illness That could thwart Financial Planning

Posted by Andi A. Fadilah on 01:03 / /

One cause that can make financial planning a family becomes uncertain or mess is caused by the disease kritis.bisa imagined when critical illness strikes, most will not come out of funds for treatments and cures for tens to hundreds of millions of dollars.

to anticipate the losses caused by critical illness protection then Takafulink Hail losses that could be used to help cure and treatment of diseases caused by critical kritis.Penyakit to be given protection are as follows;

1. Heart Attack First
Infarction as the heart muscle due to lack of blood supply to the heart. Diagnostic criteria that must be met at the time of the attack is having to meet the 3 criteria of 5 criteria below which correspond to the first diagnosis of heart attack:

a.Adanya typical chest pain during an attack;

b.Terjadinya picture electrocardiogram changes typical for early-stage and Myocardial Infarction;

c.Terjadinya increase in the levels of cardiac enzyme CK-MB;

d.Terjadinya increased troponin (T or I);

e.Left Ventricular Ejection fraction less than 50% (fifty percent) that lasted for 3 months or more after the attack.

2 Stroke
Any cerebrovascular attack, which resulted in permanent neurological symptoms, which lasted more than 24 (twenty four) hours, including infarction of brain tissue, cerebral hemorrhage, thrombosis or embolization. This diagnosis must be supported by some of the conditions mentioned below:

a.Bukti permanent neurological deficit must be enforced by a physician neurologist and symptoms last for at least 6 weeks after the attack.

b.Penemuan of magnetic resonance imaging examination, computerized tomography, or other imaging techniques examination in accordance with a new diagnosis of stroke.

Diseases that are excluded:
a.Transient ischemic Attacks;
b.Kerusakan brain caused by an accident or injury, infection, vasculitis, and inflammatory disease;
c.Penyakit blood vessels that affects the eye and the eye nerve;
d.Gangguan ischemic from the vestibular system

3. Coronary Heart Operation
Operation by opening the chest wall, to perform operations on one or more arteries of the heart due to narrowing or blockage in the arteries. Angiographic Diagnosis is based on showing the presence of significant coronary artery blockage and the procedure for it to be based on the considerations made by the cardiologist.

Excluding the technique does not require surgery, such as angioplasty or laser.

4. Heart Valve Replacement Operation
With open heart surgery to replace or repair heart valves as a result of damage to heart valves. Diagnosis of abnormal heart valves, must be established by cardiac catheterization or echocardiogram and examination procedures must be based on the considerations made by the cardiologist.

5. Cancer
The disease is characterized by the presence of malignant tumors caused by uncontrolled cell growth and spread of malignant tumor cells and the invasion of tissue. Diagnosis must be confirmed by pemberiksaan tissue and diagnosed by Oncologist or pathologist. Diseases that are excluded:
 Carsinoma situ and tumors that histologically describe precancerous or noninvasive, including this case is Carsinoma In Situ breast, cervical dysplasia CIN 1, CIN 2 and CIN 3.

 Hyperkeratoses, basal cell and squamous cell skin cancer, and melanoma with a thickness of less than 1.5 mm Breslow, or less than Clark Level 3 unless there is evidence of spread;
 Cancer Prostate gland which is based on examination of tissues as well as the TNM classification T1a or T1b or cancer of the prostate gland under the same classification or classification Lesser, T1N0M0 Papillary thyroid microcarcinoma with a diameter of less than 1 cm, microcarsinoma papillary bladder, and Chronic Leukemia Lynphocytic less of RAI stage 3; and
 All tumors caused by HIV infection.

Included is a leukemia (other than lymphotic leukemia), malignant tumors of all organs except for all skin tumors (other than melanoma malignum) and benign tumors and cancers in situ are not insured in this Additional Coverage.

6. Kidney Failure
End stage renal failure, which is shown as a second functioning kidney failure chronic and can not recover, so it requires regular kidney dialysis or kidney transplantation.

7. Paralysis
Loss of function of at least two hands or two feet, or one arm and one leg, a total and permanent, and takes place continuously for at least 6 weeks. This condition must be enforced by a physician neurologist. Intentional injuries inflicted by the self-excluded from this disease.

8. Multiple Sclerosis
A disease that causes damage to the central nervous system that causes progressive damage to the brain and brain stem. Without a doubt a definite diagnosis by a physician neurologist who asserts such a combination: the symptoms that led to the fibers (white substance) which includes the optic nerve, brainstem, and spinal cord, resulting in deficits neorologis; and has been going on for at least 6 months which results in impaired motor coordination and sensory function. The data support the existence of recurrent and the onset of symptoms or neurological deficit.

Damage to the nervous system caused by other causes such as SLE and HIV are excluded from this disease.

9. Vital Body Organ Transplant
Operating experience as a transplant recipient from:
- Human bone marrow (haematopoitic stem cells) are preceded by total bone marrow ablation; or
- One of the organs of humans are: kidney, heart, liver, and lungs, pancreas, as a result of the failure of the final stage of the functions of these organs.

Stem Cell Transplantation others are excluded from this disease.

10. Alzheimer Disease / Organic Degenerative Brain Disorders which are not recovered.
Deterioration or loss of intellectual abilities or behavioral abnormalities as evidenced by clinical circumstances and questionnaires or tests acceptable standard of Alzheimer's disease or organic degenerative brain disorders that can not be recovered, resulting in decreased mental function and a real social so that the necessary oversight continuously against the insured. The occurrence of progressive degeneration of anterior horn cells of the spinal cord (lower motor neuron lesion), kortiko spinal tract (upper motor neuron lesions) and brainstem motor nuclei. Diagnosis should be clinically confirmed by the appropriate specialists appointed by the Insurer. Excluded diseases:
- Non-Organic diseases such as neurosis and psychosis, mental illness.
- Damage to the brain due to alcohol use.


11. Coma
Unconscious without any reaction or response to external stimuli or internal needs ongoing and require life support equipment including a respirator should be used for at least 96 (ninety six) hours. Permanent neurological deficits and there must be continuously sustained for at least 42 days. Coma caused directly by alcohol or drug abuse was an exception.

12. Parkinson's Disease
Definite diagnosis of Parkinson's disease without a doubt Idiopatic given by a physician and neurologist recommended by doctors Insurer where the state of the insured can not be controlled with medication; showed signs of progressive damage. This coverage is only for idiopathic Parkinson's disease only. All other forms of Parkinson's are not included in this coverage.

Inability to perform daily activities with or without assistive devices at least 3 of 6 activities of daily living and inability to take place continuously for at least 6 months.

Activities of daily activities:
- Bath
- Dress
- Switching places from one place to another
- Moving from one place to another
- Toileting (use of the Small Room)
- Eat

Parkinson's is caused by the use of drugs excluded from this disease.

13. Terminal Illness
In end-stage condition or disease suffered by the insured based on the diagnosis of the examining physician, and it has been approved by the Insurer doctors predict that the life expectancy of the insured is less than 12 months.

Terminal Illness caused by HIV infection are excluded from this disease.

14. Chronic Lung Disease / End Stage
Lung diseases including late stage lung disease intersisial caused by the disease with chronic respiratory failure.

Diagnosis is by pulmonary specialists and must meet the symptom or evidence mentioned below:
- Requires extensive oxygen therapy and permanent.
- FEV1 test results must be less than 1 liter.
- Analysis of arterial blood gases with oxygen partial pressures 55 mmHg or less (PaO2 <55 mmHg). - Shortness of breath at rest. 15. Chronic Liver Disease The final stage of liver disease characterized by all of the following: a. Permanent yellow b. Ascites c. Hepatic encephalopathy Chronic liver disease due to alcohol and drugs not included in this additional coverage. 16. Motor Neuron Disease A definitive diagnosis without a doubt on Motor Neuron Diseases caused by progressive degeneration of the brain stem and anterior horn cells or bulbar efferent neurons including spinal muscular atrophy, progressive bulbar palsy, amyotrophic lateral sclerosis and primary lateral sclerosis. And supported by conclusive evidence of the signs and neurological deficits that persist and approved by doctors Insurer. And the diagnosis must be upheld by a physician neurologist. 17. Muscular Dystrophy A collection of hereditary muscle degeneration disease that causes weakness or atrophy of muscles. Diagnosis should be established with certainty by a physician neurologist, and such proof must be based on the assessment of daily activities confirmed the inability of the Insured to perform daily activities with or without help, at least 3 of 6 daily activities lasting at least 6 months . Activities of daily activities: - Bath - Dress - Switching places from one place to another - Moving from one place to another - Toileting (use of the Small Room) - Eat 18. Anemia Aplastis Functioning of the bone marrow fails to chronic and persistent resulting in anemia, neutropenia and thrombocytopenia requiring at least one of the treatments below: a. Transfusion b. Bone marrow-stimulating drugs c. Immunosuppressive drugs d. Bone marrow transplantation Diagnosis should be enforced by a specialist blood (Haemotologist). 19. Vessels operating Aorta The operation is done to improve vessel disease, aneurysms of the aorta, narrowing, blockage requiring excision and diseased aortic replacement surgery by opening the abdominal cavity or chest cavity. The aorta is meant by this definition is thorakalis and abdominal aorta does not include branches of the aorta. Surgery that is minimally invasive or intra-arterial techniques are exempt from this provision. 20. Fulminant hepatitis Liver failure as a result of massive death parenchym submasif or liver caused by hepatitis virus. Fulminant hepatitis due to suicide attempts, poisoning, overdose due to the use of illicit drugs and excessive alcohol levels are exempt from this additional coverage. Diagnostic criteria that must exist: - Shrinking the heart quickly. - The death of heart parenchym covering almost the entire liver lobe. And cause damage to the reticular and function. - Liver function tests showing the presence of massive liver damage parenchym. - Icterus real. - Hepatic encephalopathy. 21. Primary Pulmonary Arterial Hypertension Primary Pulmonary Arterial Hypertension disease showing enlargement of right ventricle is made by clinical examination, cardiac catheterization, which causes permanent physical impairment and based on the Classification Cardiac Impairment The New York Heart Association (NYHA) class IV includes a minimum of (Unable to do any physical activity symptoms The symptoms can occur at rest). 22. Bacterial Meningitis Meningitis bacteria that cause inflammation of the lining of the brain or spinal cord so that the occurrence of permanent neurological disability and lasted at least 6 weeks. Where the diagnosis should be confirmed by a neurologist doctor, and get a bacterial infection in the cerebrospinal fluid obtained from lumbar puncture. 23. Benign Brain Tumor The threat of life caused by brain tumors are not cancer causing brain damage and specific symptoms of increased pressure within the skull such as papilloedema (swelling papill), mental disorders, insanity and sensory disorders that have been confirmed by doctors neurologist. The existence of an underlying tumor should be confirmed by CT scan or MRI. Cysts, granulomas, or deformity of the artery or vein from the brain (AVM), hematoma, and tumor pituitary gland or spine are exempt from this disease. 24. Encephalitis Diagnosis of inflammation of the brain (cerebral hemisphere, brainstem or cerebellum) resulting from viral infections, which cause significant complications that lasted for at least 6 weeks, including permanent neurological deficit / settled and confirmed by a physician neurologist. Permanent neurological deficits / mental retardation can be settled, emotional instability, visual disturbances, hearing loss, speech disturbances, weakness or paralysis. Inflammation of the brain caused by HIV infection are excluded from this disease. 25. Burn Third degree burns (the skin layer) at least 20% (twenty percent) of body surface area. 26. Poliomyelitis The disease is characterized by: - Polio virus is the cause, and - Paralysis of limbs or muscles that cause respiratory muscle Insured can not do 3 (three) of five (5) activities of daily living for at least 3 (three) months. 27. Serious Head Trauma Accidents that cause injuries to the head resulting in permanent neurological deficits arising less than 6 (six) weeks since the accident occurred so that the insured can not do 3 (three) of five (5) activities of daily living for at least 6 (six) months. This diagnosis should be enforced by the expert neurologist, supported by technical Magnetic Resonance Imaging, Computerized Tomography, or other recognized techniques. The accident must occur directly from outside the body is invisible and does not depend from another cause. Conditions below are exempt from this disease: - Injury / Trauma to the spinal cord, and - Injuries to the head due to other causes 28. Apallic Syndrome Overall damage to the brain cortex of the brain stem that is still normal. This diagnosis should be enforced by an expert neurologist and conditions of this disease should take place continuously at least 1 (one) month. 29. Other Coronary Heart Disease A Serious The narrowing of one coronary artery with a minimum of 75 & (seventy five percent) and 2 (two) other coronary arteries with a minimum of 60% (sixty percent) as evidenced by coronary arteriography, regardless of whether the operation was performed or not. Coronary artery in question is the Left Main Coronary Artery (LC), Left Anterior Descending Artery (LAD), circumflex artery and the Right Coronary Artery (RC). 30. Angioplasty and other invasive management for Coronary Heart Disease Limitation of benefit payments are 10% of Total Sum Insured Critical Illness or maximum not more than Rp. 200 million, or $ 50,000 after the insured perform angioplasty or intra-arterial ballooning catheter procedure to treat narrowing of the coronary arteries of at least 60% of one or more coronary arteries from angiographic major evidenced. Revascularisasi should be as indicated and consultant cardiologist or heart specialist physicians. Coronary artery in question is the Left Main Coronary Artery (LC), Left Anterior Descending Artery (LAD), circumflex artery and the Right Coronary Artery (RC). Payment of the benefits mentioned above for the disease is only performed one time only and the rest of the benefits that exist for other supplemental insurance Critical illness will continue with the remaining 90% (ninety percent) of the Total Sum Insured Critical Illness. Diagnostic action with angioplasty are exempt from this disease. 31. Systemic Lupus Erythematosus (Systemic Lupus Erythematosus) Multisystemic autoimmune diseases and multifactorial characterized by increased auto-antibodies that attack the body's various antigens. Systemic Lupus Erythematosus types covered in the benefits of Additional Insured is limited to the kinds of Systemic Lupus Erythematosus involving the kidneys (Class III to Class IV Lupus Nephritis, which is confirmed by renal biopsy, and according to the WHO classification). Not included in critical illness claims Systemic Lupus Erythematosus is another type of lupus, which is kind of discoid lupus and other types that involve joints and hematologic systems. Systemic Lupus Erythematosus the diagnosis must be performed by a Physician Specialist Rheumatology and Immunology. WHO Classification of Lupus Nephritis: Class I: Minimal Change Glomerulonephritis Lupus Class II: Messangial Lupus Glomerulonephritis Class III: Focal Segmental Glomerulonephritis Lupus Proliverative Class IV: Diffuse proliferative Lupus Glomerulonephritis Class V: membranous Lupus Glomerulonephritis 32. The HIV Obtained Through Blood Transfusion and Works A. Insured infected by Human Immunodeficiency Virus (HIV) through blood transfusion with the following conditions: 1. Blood transfusions were medically necessary and provided as part of treatment. 2. Blood transfusions carried out in Indonesia after the date the Policy applies, the policy change date or the date of recovery policy that whichever occurs last. 3. Infesi source ascertained from the institution that organizes blood transfusion and the agency can track the origin of blood infected with HIV, and 4. Insured not constitute or Haemophilia patients with Thalassaemia major. B. Infection Human Immunodeficiency Virus (HIV) obtained from an accident occurring after the date of the Policy applies, or the date of the policy change or the date of recovery policy, whichever is most recent, during the Insured carry out the normal responsibilities of his job profession in Indonesia, following the evidence and the provisions exist in the company as follows: 1. HIV infections that arise due to the accident shall, within 30 (thirty) days from the date the accident occurred, and 2. Evidence that the accident was the cause of HIV infection, and 3. Evidence that sero-conversion from HIV negative to HIV positive occurred in 180 (one hundred eighty) days after the accident occurred. This evidence must be equipped with a negative HIV antibody test within 5 (five) days from the date of the accident. This benefit applies only if the insured work is a Medical Power, Power Medical student, registered nurse, lab technician, dentist, paramedic, working in health centers and clinics (in Indonesia). This benefit does not apply where the points A and B have been carried out medical treatment to cure AIDS or to treat the effects of HIV infection, or management to prevent AIDS. Treatment in question is a treatment which makes HIV is not active and does not cause infection. 33. Deaf (hearing loss of sensory function) Incurable and lost a total funsgi hearing on both ears as a result of illness or accident. Diagnosis of this disease must be supported by audiometric and hearing tests are provided and certified by a specialist Ear, Nose and Throat (ENT). 34. Mute (Loss of Speech) Incurable and lost a total power of speech as a result of accident or illness on the vocal cords. The inability to speak must take place continuously for a period of 12 months. Diagnosis of this disease must be supported by the supporting evidence from a specialist Ear, Nose and Throat (ENT). All of psychosis and mental illness are excluded from this disease. 35. Blindness Power loss of vision from both eyes in total and can not be cured as a result of illness or accident. Blindness must diddiagnosa by an eye specialist (opthalmologist). 36. Progressive scleroderma A collagen vascular disease that causes systemic fibrosis progressively comprehensive in the skin, blood vessels and organs of the body. Diagnosis of this disease must be supported by biopsy and serology results and supporting evidence of this disease should be in accordance with the proportion of systemic associated with heart, lung and kidney. Exceptions to this disease are: • Local Scleroderma (systemic sclerosis or morphea linear) • Eosinophilic fascitis; and • CREST syndrome 37. Medullary cyst disease Progressive hereditary kidney disease characterized by the presence of cysts in the medulla, tubular atrophy and fibrosis intestitial with clinical manifestations of anemia, polyuria and loss of sodium through the kidneys, develops into a chronic renal failure. This diagnosis must be supported by a kidney biopsy. 38. Cardiomyopathy Diagnosis that has been upheld by cardiologists that cardiomyopathy is caused by damage to the heart ventricle chamber function, indicated by an abnormal ECG results and confirmed by cardiac echo of variable aetiology and is caused by a permanent physical disability with a degree of at least the Class III according to New York Association Classification of Cardiac Imapairment. Class III - characterized by a significant inability - Patients in the favorable conditions in the rest position but the ability to perform daily activities is very limited than usual and showed symptoms of congestive heart failure. Class IV - Inability to perform any activity. The symptoms of congestive heart failure occur even in resting conditions. Any increase in physical activity, discomfort will occur. Cardiomyopathy is directly related to the abuse of alcoholic beverages are exempt from this disease. 39. Aneurysms of the brain blood vessels that require surgery. Brain surgery to correct an abnormal dilation of cerebral arteries that involves all layers of the three layers of the cerebral arteries. Diagnosis should be enforced by a specialist neurosurgery by using a standard examination which the examination results of cerebral angiography is indicated for open surgery. Exceptions: - Infection and mycotic aneurysma - Craniotomi limited and burr hole procedures 40. Interruption of the nerve roots of brachial Plexus Loss of sensory function is settled and the whole of the upper limb caused by the breaking of 2 (two) or more nerve roots of the brachial plexus caused by an accident or injury. Thorough wound of 2 (two) or more nerve roots should be confirmed with electrodiagnostic examination performed by a physician neurologist. 41. Stroke requiring carotid artery surgery Carotid artery surgery (carotid endarterectomy) by a specialist neurosurgeon is required to dispose of plaque deposits in the carotid arteries in stroke that has lasted more than 6 (six) months. This operation must be medically necessary indications (medically Necessary) by a physician neurologist to prevent the recurrence of cerebrovascular ischemic attacks. 42. Idiopathic scoliosis surgery Operating idiopathic scoliosis (unknown cause) which is done by surgery to correct spinal curvature of the spine is not normal return to forms the normal (straight-line visible from the back). The definition of the condition of scoliosis is a spinal Curva position in excess of 40 degrees Cobb angle. Exceptions: Deformity of the spine caused by congenital abnormalities (congenital) and neuromuscular diseases. 43. Chronic recurrent pancreatitis Chronic recurrent pancreatitis as a result of severe pancreatic damage and progressive, where the condition is due to: a. Recurrent acute pancreatitis that occur during two consecutive years; b. Uneven buildup of calcium in the pancreas as evidenced by the results of imaging examinations, and c. Failure of chronic pancreatic function and continues to cause disruption in intestinal absorption (excess fat in the stool) or diabetes. Exceptions: Chronic recurrent pancreatitis are caused directly by alcohol use. 44. Chronic disease elephantiasis Chronic disease elephantiasis with characteristics: a. Severe and persistent swelling of the arms and legs begin or other body parts caused by lympatic obstruction (blockage of lymph glands), and b. Of the microfilaria infection of laboratory test results. Exceptions: Lymphatic obstruction (blockage of the lymph nodes) is caused by diseases caused by: - Sexual relations, - Cancer, - Wounds, - Surgical scar, - Radiation, - Heart failure or - Congenital abnormality. 45. Loss of independence alive The loss of independence which led to the inability of sedentary life (permanent) to 3 (three) of five (5) activities of daily living with or without support tools, special tools or other assistive devices, which occurred during the 6 (six) consecutive months . The loss of independence of this life must be confirmed by a specialist. Sense of the word "permanent (persistent)" is a state / condition that can not be cured anymore. Definition of Activities of Daily Living, means 5 (five) of the following: a. Bath, defined as the body's own ability to clean the bath or using the shower (shower) or cleanse the body use other means well. b. Dress, defined by its own ability to wear, remove, tighten and loosen all types of clothing. c. Bribery, defined by its own ability to bribe the food already prepared and served. d. Discard water, defined by its own ability to pee in the toilet or latrine, or at least able to withstand the waste water to maintain an adequate level of personal hygiene. e. Switch places, defined by its own ability to move the body from the bed to a chair with the backrest upright or to move from one place to another on a flat floor without using a wheelchair. 46. Muscle membrane, or tissue death (gangrene) Muscle membrane, or tissue death (gangrene) with the following characteristics: a. Clinical symptoms that meet diagnostic criteria for the death of the muscle membrane or tissue; b. Specific bacterial infections, and c. Extensive muscle damage that causes loss of total and fixed on the body. 47. Rheumatoid Arthritis Weight Rheumatoid arthritis as a result of chronic autoimmune disorder that is diagnosed by a specialist Rheumatology and Immunology. The characteristics of this disease is having to meet all the criteria: d. Based on the diagnosis of the American College of Rheumatology, and e. Damage and deformity of at least 3 (three) of the following joints: hand interphalangeal joint, wrist joint, elbow, knee, hip joints, ankle, collar bone or interphalangeal foot joints. All the symptoms that arise must be confirmed by clinical examination and imaging studies that show the existence of such changes, and f. Disability causing inability to perform three (3) of 5 (five) activities of daily living without assistance continuously for a minimum period of 6 (six) months. Definition of Activities of daily living in accordance with # 45. 48. Ulcerative Colitis Weight (Cronh's disease) The disease is marked by characteristics meet at least 2 (two) criteria of the conditions below: g. Appointment of total colon; h. Removal of part or some parts of the bowel surgery with a few different times; i. Ascending sclerosing cholangitis as comorbidities with this disease; j. Autoimmune chronic active hepatitis and cirrhosis as evidenced by pathology examination. k. Carcinoma in situ of colon 49. Kawasaki Disease Causes Complications In The Heart Cardiac complications in the form of dilation / aneurysm from arterial coroner that lasted continuously for 6 (six) months as a result of Kawasaki disease and evidenced by examination echocardiografi. Diagnosis of the disease is established by a pediatrician or other appropriate specialists. To-49 above the critical illness is a disease that can strike a person and potentially thwart a keluarga.sehingga financial planning requires a financial planning instruments that could be used to help cure and treatment due to the impact of critical illness, one of which is to follow Takafulink Regards.