Immy Chua

Just Being and Let things Happen….


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Death Claim

About 2 months ago when I was in pain and couldn’t go to work and earn my income. I contacted my insurance to apply for my income protection claim. The gentleman over the phone asked if my cancer is terminal. I told him my oncologist said my cancer is incurable, so is it terminal? Then to my surprise he advised I should apply for Death Claim!

I was sad to hear this over the phone but then I told myself this is actually great for me as the death claim would help to lighten my financial burden so I could focusing on healing myself and love myself! How great is this? And who could actually eligible to claim this death claim when he or she still not dead yet! Then when I received the claim form, in order to meet the definition of Terminal Illness, my life expectancy should be less then 12 months! So, I get my oncologist to help with the medical claim form, she said for my case, the life expectancy of my bladder cancer is 18 to 24 months and I have ‘survived’ ( I don’t like the word survive because I am not surviving! I am living my life!) for 32 months and I should be able to meet the terminal illness definition as my ‘death sentence’ is overdue! I am very happy that my oncologist is helping me with the claim. As for me, I do not believe I have 12 months to live!

The only catch is I would not be able to be insured again as I have died once! But then, why should I need to be insured again? I am now waiting for my claim to be approved! Interesting!

As for my income protection claim, it has been approved and enough to cover my daily expenses so it all goes very well. For those of you who do not have income protection, I would suggest to look into it as income protection is to cover when you are total disable or partial disable not that you are jobless. Insurance is to protect your loved one and you.

Do not feel sad reading this post because I am lodging my death claim, the reason for my blog is to share my exciting cancer journey and this is just part of the exciting ONE!

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