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Home / Critical illness cover / - Paralysis or Paraplegia
Definition
Total irreversible loss of muscle function or sensation to the whole of any two limbs as a result of injury or disease. The disability must be permanent and supported by appropriate neurological evidence.
What does this mean?
Paralysis or paraplegia of two or more limbs is evidenced by permanent and irreversible loss of movement and sensation. It could be caused by an accident or by an illness. Even more severe types of paralysis; tetriplegia and quadriplegia would therefore be covered.
NEWS
Smokers increase risk of skin condition
29 October 2007 14:00:55
Smokers are already at a disadvantage when it comes to getting life insurance, income protection and critical illness cover, but new research looks set to add to their woes.
According to a study published in the American Journal of Medicine, the risk of developing psoriasis is increased by the habit.
Heavy smokers are most likely to pick up the irritating skin condition, while the risk only slowly decreases after an individual quits.
Canadian and US researchers studied data from an ongoing study of 116,608 female registered nurses aged between 25 and 42.
During the study, which started in 1989, the researchers noted 887 incidents of psoriasis, with women smokers 78 per cent more likely to develop the skin condition than those who had never smoked.
"These findings, along with well-established hazardous health effects of smoking, provide clear incentives for smoking cessation in those at risk for and suffering from psoriasis," commented scientist Dr Hyon Choi.
"Beyond the potential effect on psoriasis, smoking cessation would lead to a better overall clinical outcome in psoriasis patients, who often suffer co-morbidities related to smoking," the doctor added.
A recently-launched insurance product from Prudential rewards customers for healthy behaviour, including quitting smoking.
Direct Life and Pensions Services Ltd are one of the UK's leading providers of life insurance, term life assurance, mortgage protection, critical illness and life insurance advice online
Cancer patients given all clear by mistake
01 August 2008 17:33:01
A total of 17 men and women will begin cancer treatment after initially being given the all clear from doctors.
The patients at the Hereford County Hospital were told that their test results were negative but following a review it was found that their diagnoses were wrong, reports the Telegraph.
A further 14 patients at the hospital who were told they did have cancer and begun treatment were later told they did not have the disease.
A consultant at the hospital has since been suspended in light of the findings and legal experts have said that the hospital could be sued.
"It's obviously been a personal disaster for several people who could have been receiving life saving treatment and who thought they were healthy," Sandra Woodward, who runs a cancer support group, told the paper.
It was discovered earlier this year that 102 patients were given wrong diagnoses and 40 people were told that their condition was more serious than first thought.
A spokesman for the hospital told the Telegraph that although the situation was "serious', all patients were now receiving correct treatment.
This follows news yesterday (July 31st) that there may be a breakthrough in gene therapy that could signal new hope for cancer sufferers.
Those concerned about medical mix-ups may want to take out life insurance policies.
UK life insurancecover is considered as important by many people.
L&G allows direct access to life insurance underwriters
18 July 2007 14:30:39
Top life insurance provider Legal & General (L&G) has announced that financial advisers placing 'high net-worth' protection business with them will be able to discuss applications directly with senior underwriters.
L&G says that the move is an attempt to allow quicker processing of applications, so as to provide cover as soon as possible,
The provider defines 'high net-worth' as critical illness cover of over £350,000 or life cover of over £600,000.
Bonnie Burns, protection product marketing director for Legal & General, commented on the announcement.
"High net-worth individuals tend to be cash rich but time poor, so we aim to have a turnaround time of 30 days from receipt of application," she said.
"By working with the adviser and their client before and after the application has been submitted, we believe we can achieve this.
"What we are offering is dedicated support from a senior underwriter and proactive case management by the high net-worth team to help deliver a polished service from start to finish."
29 October 2007 14:00:55
Smokers are already at a disadvantage when it comes to getting life insurance, income protection and critical illness cover, but new research looks set to add to their woes.
According to a study published in the American Journal of Medicine, the risk of developing psoriasis is increased by the habit.
Heavy smokers are most likely to pick up the irritating skin condition, while the risk only slowly decreases after an individual quits.
Canadian and US researchers studied data from an ongoing study of 116,608 female registered nurses aged between 25 and 42.
During the study, which started in 1989, the researchers noted 887 incidents of psoriasis, with women smokers 78 per cent more likely to develop the skin condition than those who had never smoked.
"These findings, along with well-established hazardous health effects of smoking, provide clear incentives for smoking cessation in those at risk for and suffering from psoriasis," commented scientist Dr Hyon Choi.
"Beyond the potential effect on psoriasis, smoking cessation would lead to a better overall clinical outcome in psoriasis patients, who often suffer co-morbidities related to smoking," the doctor added.
A recently-launched insurance product from Prudential rewards customers for healthy behaviour, including quitting smoking.
Direct Life and Pensions Services Ltd are one of the UK's leading providers of life insurance, term life assurance, mortgage protection, critical illness and life insurance advice online
01 August 2008 17:33:01
A total of 17 men and women will begin cancer treatment after initially being given the all clear from doctors.
The patients at the Hereford County Hospital were told that their test results were negative but following a review it was found that their diagnoses were wrong, reports the Telegraph.
A further 14 patients at the hospital who were told they did have cancer and begun treatment were later told they did not have the disease.
A consultant at the hospital has since been suspended in light of the findings and legal experts have said that the hospital could be sued.
"It's obviously been a personal disaster for several people who could have been receiving life saving treatment and who thought they were healthy," Sandra Woodward, who runs a cancer support group, told the paper.
It was discovered earlier this year that 102 patients were given wrong diagnoses and 40 people were told that their condition was more serious than first thought.
A spokesman for the hospital told the Telegraph that although the situation was "serious', all patients were now receiving correct treatment.
This follows news yesterday (July 31st) that there may be a breakthrough in gene therapy that could signal new hope for cancer sufferers.
Those concerned about medical mix-ups may want to take out life insurance policies.
UK life insurancecover is considered as important by many people.
18 July 2007 14:30:39
Top life insurance provider Legal & General (L&G) has announced that financial advisers placing 'high net-worth' protection business with them will be able to discuss applications directly with senior underwriters.
L&G says that the move is an attempt to allow quicker processing of applications, so as to provide cover as soon as possible,
The provider defines 'high net-worth' as critical illness cover of over £350,000 or life cover of over £600,000.
Bonnie Burns, protection product marketing director for Legal & General, commented on the announcement.
"High net-worth individuals tend to be cash rich but time poor, so we aim to have a turnaround time of 30 days from receipt of application," she said.
"By working with the adviser and their client before and after the application has been submitted, we believe we can achieve this.
"What we are offering is dedicated support from a senior underwriter and proactive case management by the high net-worth team to help deliver a polished service from start to finish."