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Home / Critical illness cover / - Coma
Definition
A state of unconsciousness resulting in permanent neurological deficit. Coma secondary to alcohol or drug misuse is not covered.
What does this mean?
A coma is a deep state of unconsciousness from which it is impossible to be aroused. The cause of the coma may be as a result of another illness such as a stroke or may be brought on by a serious accident. If the coma results in permanent damage to the nervous system, the claim will be paid.
NEWS
Brits failing to 'take time out' from work
28 September 2007 11:41:27
The importance of life assurance and income protection is in the spotlight this week as a survey reveals the impact of Britain's long working hours on people's health.
As part of an ongoing study of workers' perceptions of their wellbeing, Legal and General questioned over 2,000 people about their health anxieties over the last three months.
One in four full-time employees are apparently unhappy with their work-life balance while 22 per cent said they felt stressed by their daily routines.
Dr John Delfosse, Legal and General's company medical officer, commented that people with heavy work responsibilities can become absorbed in their daily routine and neglect to take time out for themselves.
"This can lead to increased pressure and stress, which if prolonged may take its toll on a worker's physical and mental wellbeing. This in turn may result in a range of health problems such as heart disease, back pain and gastrointestinal problems," he said.
From November, life insurance provider Axa wants all employers to allow employees an hour of work-time each month to tend to important financial issues linked to their future, such as critical illness cover or income protection.
Direct Life and Pensions Services Ltd are one of the UK's leading providers of life insurance, term life assurance, mortgage protection, and critical illnesslife insurance policies online.
Caffeine linked to blood sugar levels
28 January 2008 14:26:11
It may be of interest to those considering life insurance that people with diabetes may be able to improve their health by reducing the amount of caffeine they consume, according to a new study.
Researchers from the Duke University Medical Centre found that people with type two diabetes can increase their blood sugar levels with daily consumption of caffeine.
Ten people with type two diabetes were studied during the research, with those consuming caffeine found to have higher daily sugar levels.
Dr James Lane, lead researcher, said that it remained unclear why caffeine had such an impact upon sugar levels.
"It could be that caffeine interferes with the process that moves glucose from the blood and into muscle and other cells in the body where it is used for fuel," he explained.
Type two diabetes is treated by making lifestyle changes, such as having a healthier diet, losing weight and increasing physical activity, Diabetes UK reports.
Direct Life and Pensions Services Ltd are one of the UK's leading providers of life insurance, term life assurance, mortgage protection, and critical illnesslife insurance policies online
Heart op boy will die in two weeks without transplant
02 July 2008 17:03:39
A baby born with half a heart has just two weeks to live unless a donor can be found, doctors have told his parents.
Born with Hypoplastic Left Heart Syndrome, Theo Davies is currently on a life support machine which can only keep him alive for a short period of time, unless he has a transplant.
Talking about her desperation, Theo's mother Rebecca Giles, said: "People say 'Oh, it must be a nightmare for you'. But it's worse than that. I can't think of a worse situation to be in."
She continued: "Our child will die in two weeks unless we can find a heart donor. But to find another heart for Theo means that another child will die."
Theo has already had to endure five major operations since he was born and survived his heart stopping for an hour last week.
Surgeons in the US are about to undertake the first implantation of a Jarvik heart pump which, it is hoped, could help to solve a shortage of donor hearts.
One of the biggest difficulties facing people with heart problems is securing regular life insurance.
28 September 2007 11:41:27
The importance of life assurance and income protection is in the spotlight this week as a survey reveals the impact of Britain's long working hours on people's health.
As part of an ongoing study of workers' perceptions of their wellbeing, Legal and General questioned over 2,000 people about their health anxieties over the last three months.
One in four full-time employees are apparently unhappy with their work-life balance while 22 per cent said they felt stressed by their daily routines.
Dr John Delfosse, Legal and General's company medical officer, commented that people with heavy work responsibilities can become absorbed in their daily routine and neglect to take time out for themselves.
"This can lead to increased pressure and stress, which if prolonged may take its toll on a worker's physical and mental wellbeing. This in turn may result in a range of health problems such as heart disease, back pain and gastrointestinal problems," he said.
From November, life insurance provider Axa wants all employers to allow employees an hour of work-time each month to tend to important financial issues linked to their future, such as critical illness cover or income protection.
Direct Life and Pensions Services Ltd are one of the UK's leading providers of life insurance, term life assurance, mortgage protection, and critical illnesslife insurance policies online.
28 January 2008 14:26:11
It may be of interest to those considering life insurance that people with diabetes may be able to improve their health by reducing the amount of caffeine they consume, according to a new study.
Researchers from the Duke University Medical Centre found that people with type two diabetes can increase their blood sugar levels with daily consumption of caffeine.
Ten people with type two diabetes were studied during the research, with those consuming caffeine found to have higher daily sugar levels.
Dr James Lane, lead researcher, said that it remained unclear why caffeine had such an impact upon sugar levels.
"It could be that caffeine interferes with the process that moves glucose from the blood and into muscle and other cells in the body where it is used for fuel," he explained.
Type two diabetes is treated by making lifestyle changes, such as having a healthier diet, losing weight and increasing physical activity, Diabetes UK reports.
Direct Life and Pensions Services Ltd are one of the UK's leading providers of life insurance, term life assurance, mortgage protection, and critical illnesslife insurance policies online
02 July 2008 17:03:39
A baby born with half a heart has just two weeks to live unless a donor can be found, doctors have told his parents.
Born with Hypoplastic Left Heart Syndrome, Theo Davies is currently on a life support machine which can only keep him alive for a short period of time, unless he has a transplant.
Talking about her desperation, Theo's mother Rebecca Giles, said: "People say 'Oh, it must be a nightmare for you'. But it's worse than that. I can't think of a worse situation to be in."
She continued: "Our child will die in two weeks unless we can find a heart donor. But to find another heart for Theo means that another child will die."
Theo has already had to endure five major operations since he was born and survived his heart stopping for an hour last week.
Surgeons in the US are about to undertake the first implantation of a Jarvik heart pump which, it is hoped, could help to solve a shortage of donor hearts.
One of the biggest difficulties facing people with heart problems is securing regular life insurance.