Critical Illness (CI) - PTE Writing Sample Answer
Read the passage below and summarise it using one sentence. Type your response in the box at the bottom of the screen. Your response will be judged on the quality of your writing and on how well your response presents the key points in the passage. You have 10 minutes to submit your response. Critical Illness (CI) is a relatively new coverage in Europe that guarantees the payment of a lump sum benefit between $70,010 to $2,230,000 if you are stricken by a critical illness such as heart attack. CI provides the financial resources to fill the gap that may be created between medical insurance plans and other expenditures you may have or help replace lost income. This type of support can help tremendously in maintaining your quality of life and financial security during the recovery period and help you face your new challenges. Government health plans and group insurance benefits are limited to basic medical and hospital care in Europe and Disability income coverage pays a monthly income only if you can't work. For Critical Illness insurance, for example, if you suffer a heart attack and are able to return to work, CI still pays. The maximum coverage amount available varies depending upon the insurance company issuing the plan. Each company exactly defines the critical illnesses they are covering in their policy contracts. Over 50 different illnesses may be covered extending cancer, heart attack and stroke to organ transplants, deafness and more. You must survive a critical illness for a fixed period of time to receive the coverage amount, usually 35 days. In other words, if you suffered a heart attack, you must live at least that long to receive this payment.
Sample Answer
Critical Illness is a new coverage in Europe that guarantees lump sum benefit if the insured is stricken by a critical illness such as heart attack and helps tremendously in maintaining quality of life and financial security during recovery period and helps replace lost income only when the patient survives long enough to receive the payment.
