Compare life and trauma insurance policies for cerebral palsy
Diplegia, specifically cerebral palsy spastic diplegia, is a condition where the person experiences symmetrical paralysis of the body. Diplegia can occur in any part of the body, such as face arms or legs and is a common cause of crippling in children. Diplegia can occur from spinal cord injury or disease or brain injury or disease.
What is diplegia?
- Understanding cerebral palsy
Diplegia is an illness that occurs when you damage the cerebral cortex, which is the outside layer of the brain. The cerebral cortex controls signals that the brain receives and when damaged the signals are disrupted. The disrupted signals will lead to loss of muscle tension.
- When does diplegia occur?
Diplegia is usually detected in the early stages of childhood. Limbs will initially be quite flaccid in early stages before becoming extremely stiff. Diplegia can vary in its severity with children with mild cases able to maintain the same active lifestyles as their peers while severe cases may require wheelchair assistance.
Diplegia can also occur at later stages of life as a result of accidental injury to the spinal cord.
- What are the symptoms of diplegia?
Diplegia can affect people in a variety of different ways and some people may find that their lives will be drastically changed if they develop the illness. Some of the symptoms that you may experience with cerebral palsy will be spastic, stiff muscles of the legs, difficulty with grasp, and mobility delays. Walking and gait in a person suffering with this condition is often crouched with toe walking and knees flexed.
- How do you treat diplegia?
As previously mentioned many people that develop cerebral palsy will be seriously affected, however there are some ways to manage the symptoms. The treatment for diplegia can include corrective braces, gait analysis, hyperbaric oxygen treatment, and Botox injections. The hyperbaric oxygen treatment uses oxygen to reduce pressure and swelling in the brain which is used to detoxify the body and promote repair of damaged blood vessels. Botox injected into muscles will relax the muscles relieving rigidity of a spastic muscle.
Example: What insurers may ask you during your application
At any time in your life have you had, been advised by a doctor or medical professional, or experienced symptoms that may be attributed to cerebral palsy?
If you have experienced any form of cerebral palsy as a prior condition, it's crucial to disclose your condition to your insurer when you apply.
Trauma Insurance for diplegia
Many life insurance providers will offer cover for cerebral palsy as a specified condition on trauma insurance policies. Cover is usually provided immediately if the insured suffers diplegia as a result of injury or disease during the interim cover period from the date the insurer receives the policy application. Most insurers will require for their to be total and permanent paralysis in both arms or both legs due to injury or illness.
What life insurance companies provide trauma cover for diplegia?
|Provider||Conditions for payment|
|AIA||Insured must suffer total and permanent loss of function of both sides of their body as a result of spinal cord injury, spinal disease, brain injury or brain disease.|
|AMP||Insured must suffer total and permanent paralysis of both arms or both legs as a result of organic disease or accidental injury.|
|Asteron||Diplegia is recognised under the paralysis condition whereby the insured suffers total and permanent loss of one or more limbs resulting from spinal cord injury or disease.|
|BT||Diplegia is recognised under the paralysis condition whereby the insured suffers total and permanent use of both sides of the body as a result of illness or injury.|
|Comminsure||Benefit paid if insured suffers permanent loss of total function of both sides of body as a result of sickness or injury.|
|Macquarie||Total and irreversible loss of two limbs whereby a limb is defined as the shoulder down to the hand or the hip down to the foot.|
|MLC||Diplegia is recognised under the trauma condition as total and permanent paralysis of two or more limbs as a result of injury.|
|OnePath||Dementia as confirmed by a medical practitioner due to failure of brain function.|
|Zurich||Insured suffers total and permanent loss of use of both sides of their body as a result of disease, illness or injury to the brain or the spinal cord.|
Trauma insurance severe booster benefit for diplegia
Some life insurance companies will provide the option to take out additional cover on trauma insurance policies known commonly as a booster benefit in the event that the insured suffers one of the listed conditions. Below is a description of what Zurich will provide with the booster benefit:
- Paralysis booster benefit. If the trauma benefit is paid for paralysis, Zurich will double the amount of trauma benefit that is payable to a maximum of $2 million.
Children trauma insurance for cerebral palsy
A number of Australian insurer will also offer Child Trauma Cover for diplegia as an additional cover option on the trauma insurance policy. Here is an example of how this option is available for the AMP Trauma Insurance Policy.
- Will pay the insured benefit of up to $100,000 if the insured child undergoes a listed medical procedure and survives for 14 days following the date of diagnosis.
- In the event that the insured person dies or is diagnosed with a terminal illness, AMP will pay a benefit of $25,000
- Cover for paralysis, including Diplegia, will start immediately
- Insured person must be a child under the age of 16
- Benefit is only paid once, regardless of whether the insured person satisfies two or more definitions
- The benefits and conditions of the AMP Trauma Insurance plan are typical of most Child Cover policies
Total and permanent disability insurance for diplegia
All TPD insurance policies will include cover for paralysis under policies if their condition seems them satisfies the definition of total and permanent disablement as outlined in their policy.
Most people that have suffered diplegia as a result of disease or accident will be forced to take an extended period of time out of work to and may be unable to work in their own or any other occupation again. TPD insurance will provide a lump sum benefit once the conditions of benefit payment have been satisfied. Each insurer will have their own set of conditions for when a benefit will/won’t be paid with different definitions for each policy.