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Home / Critical illness cover / - Third Degree Burns
Definition
Third degree burns covering at least 20% of the body surface area.
What does this mean?
Third degree burns are the most serious type of burn. They involve the destruction of the full thickness of the skin and can cause damage to the fat, muscle and bone.
NEWS
Scientists investigate breast cancer ethnic divide
14 August 2007 16:51:28
Women of African backgrounds should consider acquiring life insurance and critical illness cover, a new study has suggested.
Recent research has found a marked difference in breast cancer survival rates between races.
A study at Columbia University Medical Center revealed that women of African origin had a worse five-year survival rate than white women after contracting breast cancer and that the disease was typically more advanced at the time of diagnosis.
An assessment of varying tumour sizes and the number of lymph nodes affected showed that the mortality rate among African-American women was up to 56 per cent higher than for Caucasian women.
A report stated that: " The factors that prevent black women from receiving the same quality of care as white women may be exacerbated by the more complex treatment regimens used for more advanced breast cancer".
The research also implied that non-clinical could affect breast cancer patient survival rate.
Radiation exposure linked to heart disease
07 March 2008 17:06:00
Possible links between radiation exposure and heart disease have been discovered by scientists.
A study of almost 65,000 men employed at UK nuclear plants between 1946 and 2002 found that the risk of dying from heart attacks and strokes increased as workers were exposed to higher levels of radiation.
The findings may affect the life insurance premiums of the workers although the actual effect of radiation on life expectancy was found to be small.
Professor Steve Jones, who led the research at Westlakes Scientific Consulting in Cumbria, said: "We see a higher mortality for those workers with the highest level of operation exposure."
He stressed, however, that the increase in heart disease could have been caused by other factors unconnected with radiation such as stress, diet and exercise levels.
If radiation was the cause of an increase in heart disease, workers who have experienced the highest levels of exposure have around a 73 per cent chance of surviving until they are 70, compared with a 75 per cent chance if they had not been exposed to radiation, Professor Jones said.
Workers at the Sellafield, Springfields, Chapelcross and Capenhurst nuclear sites took part in the study.
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
'Understanding of CF development could lead to new treatments'
10 March 2008 17:21:45
New research has enabled scientists to gain a better understanding of the development of cystic fibrosis (CF) which may help to develop new treatments for the disease.
The news may affect the life insurance premiums of sufferers.
Researchers from the University of North Carolina at Chapel Hill have found a molecular mechanism that could be responsible for the development of the disease, reports Medical News Today.
According to the Cystic Fibrosis Trust more than 8,000 people are affected by CF in the UK.
The fatal disease is caused by a defective gene that produces a misshapen form of a protein called the cystic fibrosis transmembrane conductance regulator (CFTR).
As their bodies rapidly remove the mutant protein, people affected by CF do not have the necessary amount of CFTR for proper cellular functions.
Lead researcher Nikolay Dokholyan said: "Understanding molecular etiology of the disease is a key step to developing pharmaceutical strategies to fight this disease."
The report has been published in the journal PLoS Computational Biology.
Around one in 25 people in the UK carry the faulty gene that causes CF, reports the Cystic Fibrosis Trust.
If two carriers have a child, the baby has a one in four chance of having the disease.
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
14 August 2007 16:51:28
Women of African backgrounds should consider acquiring life insurance and critical illness cover, a new study has suggested.
Recent research has found a marked difference in breast cancer survival rates between races.
A study at Columbia University Medical Center revealed that women of African origin had a worse five-year survival rate than white women after contracting breast cancer and that the disease was typically more advanced at the time of diagnosis.
An assessment of varying tumour sizes and the number of lymph nodes affected showed that the mortality rate among African-American women was up to 56 per cent higher than for Caucasian women.
A report stated that: " The factors that prevent black women from receiving the same quality of care as white women may be exacerbated by the more complex treatment regimens used for more advanced breast cancer".
The research also implied that non-clinical could affect breast cancer patient survival rate.
07 March 2008 17:06:00
Possible links between radiation exposure and heart disease have been discovered by scientists.
A study of almost 65,000 men employed at UK nuclear plants between 1946 and 2002 found that the risk of dying from heart attacks and strokes increased as workers were exposed to higher levels of radiation.
The findings may affect the life insurance premiums of the workers although the actual effect of radiation on life expectancy was found to be small.
Professor Steve Jones, who led the research at Westlakes Scientific Consulting in Cumbria, said: "We see a higher mortality for those workers with the highest level of operation exposure."
He stressed, however, that the increase in heart disease could have been caused by other factors unconnected with radiation such as stress, diet and exercise levels.
If radiation was the cause of an increase in heart disease, workers who have experienced the highest levels of exposure have around a 73 per cent chance of surviving until they are 70, compared with a 75 per cent chance if they had not been exposed to radiation, Professor Jones said.
Workers at the Sellafield, Springfields, Chapelcross and Capenhurst nuclear sites took part in the study.
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
10 March 2008 17:21:45
New research has enabled scientists to gain a better understanding of the development of cystic fibrosis (CF) which may help to develop new treatments for the disease.
The news may affect the life insurance premiums of sufferers.
Researchers from the University of North Carolina at Chapel Hill have found a molecular mechanism that could be responsible for the development of the disease, reports Medical News Today.
According to the Cystic Fibrosis Trust more than 8,000 people are affected by CF in the UK.
The fatal disease is caused by a defective gene that produces a misshapen form of a protein called the cystic fibrosis transmembrane conductance regulator (CFTR).
As their bodies rapidly remove the mutant protein, people affected by CF do not have the necessary amount of CFTR for proper cellular functions.
Lead researcher Nikolay Dokholyan said: "Understanding molecular etiology of the disease is a key step to developing pharmaceutical strategies to fight this disease."
The report has been published in the journal PLoS Computational Biology.
Around one in 25 people in the UK carry the faulty gene that causes CF, reports the Cystic Fibrosis Trust.
If two carriers have a child, the baby has a one in four chance of having the disease.
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