According to Otago University research, over the last 2 decades the death rate from cancer in NZ has fallen by 50%. This is thanks to earlier diagnosis, better surgery and more effective drugs. That’s really fantastic news which our health service can be incredibly proud of and is especially important to me as my wife is a cancer survivor!
However thats not the full story, as its only on TV hospital dramas where seriously unwell patients are suddenly cured and walk out of hospital within a week. The reality is that treatments such as chemotherapy may well save your life, but may also cause “collateral” damage. These amazing drugs that can kill cancer cells also kill other fast dividing cells like the lining of your stomach and your skin. And then your liver and kidneys have to cope with the toxins they leave behind. These treatments generally last for months and their side effects can last for months.
It is more important than ever to not just have simple life insurance. But to also have disability cover that will help you cope financially if you are seriously ill. Chances are that you will survive, but your recovery will probably take time. Thanks to ACC you have great cover in the event of accident (if you are earning). By contrast the maximum sickness benefit for an individual is just $205 per week. Not much to live on!
David
About Campbell Hastie