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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
Life insurance is a 'lifeline' for Brits
21 January 2008 10:59:29
Life insurance and income protection are considered essential "lifelines" in the wake of the credit crunch, it has emerged.
New research by PruProtect also highlighted the effects of falling house prices and growing consumer debt on people's attitude to cover.
According to the provider's poll, the majority of Brits would cancel their TV subscription or mobile phone contract ahead of their life insurance policy in times of financial hardship.
Life cover also topped the list of most valued protection types with income protection and critical illness cover following it.
Sammy Rubin, chief executive of PruProtect, pointed out that many people may be feeling less secure with their budgets as a result of the UK's financial markets undergoing a period of uncertainty.
He commented: "Life insurance-related policies such as income protection can be a vital lifeline, supplying funds to cover day-to-day costs such as mortgage or debt repayments - or if someone finds themselves in unexpected financial difficulties, such as being unable to work due to illness or injury."
Launched in September last year, PruProtect rewards customers with "vitality points" if they make healthy changes to their lifestyle, presenting the opportunity of lower premiums as a result.
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
Better understanding of lymphatic cancer
18 February 2008 17:21:39
Scientists have gained a better insight into the development of lymphatic cancer which could improve their understanding of what causes the disease.
David Schatz, who led the research at the Yale School of Medicine, said "the implications of these findings are considerable" - which may affect life insurance policies.
Lymphatic cancer, or lymphoma, originates when a type of white blood cell (lymphocyte) mutates.
In a report published in Nature, scientists examined the cellular mutation and repair processes of the immune system, introducing random mutations to the system's infection-fighting lymphocytes.
The researchers discovered that DNA repair enzymes began to make "sloppy" repairs, leading to more mutations.
Mr Schatz said: "If the precise, or high fidelity, repair processes break down, this would unleash the full mutagenic potential of the initial mutation, resulting in changes in many important genes."
According to Cancer Research UK, every year in the UK around 10,000 cases of non-Hodgkin lymphoma are diagnosed.
The disease causes around 4,450 deaths in the UK each year.
Diabetes care 'improving' but many people still lacking
26 October 2007 13:33:55
Diabetes sufferers looking at life insurance or critical illness cover options may be interested in a new report showing that care is improving.
The Information Centre (IC) for health and social care revealed that more people in the UK are having the key tests and measurements needed to help keep their condition under control.
Carried out by the IC on behalf of the Healthcare Commission, the National Diabetes Audit (NDA) monitors care and aims to ensure consistent quality across the UK.
Levels of achievement overall have apparently been increasing every year, although the audit for 2005 to 2006 showed that there is still room for improvement.
"It is good to see the number of people with diabetes receiving key measurement tests such as cholesterol levels and blood pressure increasing," said Dr Jonathan Boyce, head of external output for the Healthcare Commission.
"However, health services must not become complacent - the number of people receiving key tests still needs to rise," Dr Boyce pointed out.
The report also showed that the rates of heart attack and stroke in people with diabetes has reduced across the three years of the audit, with better control helping cut the risk of developing such complications of the condition.
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
21 January 2008 10:59:29
Life insurance and income protection are considered essential "lifelines" in the wake of the credit crunch, it has emerged.
New research by PruProtect also highlighted the effects of falling house prices and growing consumer debt on people's attitude to cover.
According to the provider's poll, the majority of Brits would cancel their TV subscription or mobile phone contract ahead of their life insurance policy in times of financial hardship.
Life cover also topped the list of most valued protection types with income protection and critical illness cover following it.
Sammy Rubin, chief executive of PruProtect, pointed out that many people may be feeling less secure with their budgets as a result of the UK's financial markets undergoing a period of uncertainty.
He commented: "Life insurance-related policies such as income protection can be a vital lifeline, supplying funds to cover day-to-day costs such as mortgage or debt repayments - or if someone finds themselves in unexpected financial difficulties, such as being unable to work due to illness or injury."
Launched in September last year, PruProtect rewards customers with "vitality points" if they make healthy changes to their lifestyle, presenting the opportunity of lower premiums as a result.
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
18 February 2008 17:21:39
Scientists have gained a better insight into the development of lymphatic cancer which could improve their understanding of what causes the disease.
David Schatz, who led the research at the Yale School of Medicine, said "the implications of these findings are considerable" - which may affect life insurance policies.
Lymphatic cancer, or lymphoma, originates when a type of white blood cell (lymphocyte) mutates.
In a report published in Nature, scientists examined the cellular mutation and repair processes of the immune system, introducing random mutations to the system's infection-fighting lymphocytes.
The researchers discovered that DNA repair enzymes began to make "sloppy" repairs, leading to more mutations.
Mr Schatz said: "If the precise, or high fidelity, repair processes break down, this would unleash the full mutagenic potential of the initial mutation, resulting in changes in many important genes."
According to Cancer Research UK, every year in the UK around 10,000 cases of non-Hodgkin lymphoma are diagnosed.
The disease causes around 4,450 deaths in the UK each year.
26 October 2007 13:33:55
Diabetes sufferers looking at life insurance or critical illness cover options may be interested in a new report showing that care is improving.
The Information Centre (IC) for health and social care revealed that more people in the UK are having the key tests and measurements needed to help keep their condition under control.
Carried out by the IC on behalf of the Healthcare Commission, the National Diabetes Audit (NDA) monitors care and aims to ensure consistent quality across the UK.
Levels of achievement overall have apparently been increasing every year, although the audit for 2005 to 2006 showed that there is still room for improvement.
"It is good to see the number of people with diabetes receiving key measurement tests such as cholesterol levels and blood pressure increasing," said Dr Jonathan Boyce, head of external output for the Healthcare Commission.
"However, health services must not become complacent - the number of people receiving key tests still needs to rise," Dr Boyce pointed out.
The report also showed that the rates of heart attack and stroke in people with diabetes has reduced across the three years of the audit, with better control helping cut the risk of developing such complications of the condition.
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