I have read an awful lot of messages around insurance since trying to get some for my sister. I did eventually but at a huge cost. My question is what is classed as terminal? I read online that terminal cancer cannot be controlled, or that terminal diagnosis is for someone who is not expected to live more than six months. I am wondering now if l have answered this question incorrectly when asked by the insurance companies, whilst my sisters cancer cannot be cured it is being controlled and monitored with medication . The consultant has never said the word terminal so what would be the correct answer for future insurance.
Hi Stripy
I personally don't know what the definition of terminal is but you might want to have a look at this reply by pollyalison to a previous post in this group where she points out that "some companies class 6 months as terminal and others 12 months but if you do not have a prognosis you are classed as incurable not terminal."
A former member posted here in a reply to another poster "If your husband is still receiving treatment, then he is not terminal. I am treatable but not curable but most certainly not terminal."
So, I think the best thing to do when getting quotes is to ask the insurer for their definition.
I hope this helps.
x
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