<unk>  (known as Accelerated Death benefit in North America) pays out a capital sum if the policyholder is diagnosed with a<unk>  illness from which the policyholder is expected to die within 12 months of diagnosis, by a physician who specialises in that illness or condition.<unk>  is a form of insurance that is often added to a life insurance policy or a Mortgage Life Insurance policy by the insurance company issuing the policy.<unk>  is not available as a separate insurance policy. If a life insurance policyholder also has<unk> , then he/she has the benefit of knowing that if he/she is diagnosed with a serious illness and is expected to die within 12 months of diagnosis, then the combined policy will pay out straight away rather than waiting for the policyholder to die (as would happen if the policyholder did not have<unk> . Do not confuse<unk>  with critical illness insurance. The two forms of insurance are very different.
Terminal illness insurance
Critical illness insurance
Cancer insurance
Personal medicine
Social insurance
Stop-loss insurance
Partner services
Self-funded health care