Page 37 - MEDICAL AND HEALTH INSURANCE

MEDICAL AND HEALTH INSURANCE

for nursing home care. The concept of insuring long-term care has little

appeal and is relatively new in the current socio-economic environment.

The long-term care insurance benefits offered are generally an allowance,

as follows:

Daily allowance for home care on Activities of Daily Living (ADL)

ADL are functions or activities that are performed by individuals without

assistance and allow personal independence in everyday living. If the
Insured suffers from a medical condition, which is subsequently confirmed

by an appropriate consultant or specialist to have directly attributed to the

loss of independent existence lasting for a minimum period, for example,
of 6 months and resulting in a permanent inability by the Insured to

perform at least three (3) of the Activities of Daily Living (ADL), either with

or without the use of mechanical equipment, special devices or other aids

and adaptations. The term 'permanent' means beyond the hope of

recovery with current medical knowledge and technology.

Examples of Activities of Daily Living include:

 Transfer - getting in and out of a chair without requiring physical
assistance

 Mobility - ability to move from room to room without requiring any

physical assistance

 Continence - ability to voluntarily control bowel and bladder

functions such as to maintain personal hygiene
 Dressing - putting on and taking off all necessary items of clothing

without requiring assistance from another person

 Bathing/Washing - ability to wash in the bath or shower (including

getting in or out of the bath or shower) or wash by any other means;

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