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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
Morning sickness sufferers less susceptible to breast cancer
25 June 2007 17:23:05
Women who have suffered morning sickness during pregnancy have a 30 per cent reduced chance of developing breast cancer, a new study suggests.
Epidemiologists at the University at Buffalo also looked for an association between breast cancer and other pregnancy-related medical conditions - such as pregnancy-induced hypertension, preeclampsia, gestational diabetes or weight gain - but found none.
The controlled analysis compared data on pregnancy-related conditions from 1,001 women with primary breast cancer and 1,917 women without breast cancer.
David Jaworowicz, first author on the study, said: "Pregnancy is a time of drastic physiological changes, including rapid development and alterations in the breast tissue.
"The rapidly changing anatomy of the breast makes it more susceptible to errors in DNA replication and/or repair, which may translate into breast cancer," he added.
Whether stricken with morning sickness or not, mums-in-waiting are advised to ensure they have full life insurance and critical illness coverage - so that, should the worst happen, the impact on their child will be minimised.
'Sunbeds increase skin cancer risk by 75%'
08 April 2008 17:29:58
Using sunbeds raises the risk of developing a life-threatening form of skin cancer by as much as 75 per cent, Cancer Research UK has warned.
A study of 4,000 people by the International Agency for Research into Cancer found that people who start using tanning booths under the age of 35 - 82 per cent of those polled - face an increased risk of developing the most aggressive form of the disease - a finding which may affect their life insurance policies.
The survey, commissioned by Cancer Research UK, also found that as many as one in three women questioned had used a sunbed.
In light of the survey's findings, the charity is today launching its SunSmart campaign to warn sunbed users that over exposure to UV rays in tanning booths can be just as dangerous as getting burnt on the beach.
Rebecca Russell, Cancer Research UK's SunSmart campaign manager, said: "The results of our survey make for a stark warning to young people about the dangers of indoor tanning. You can't always see the damage that UV does straight away. It builds up over time."
According to Cancer Research UK, around 9,000 cases of melanoma - the most dangerous type of skin cancer - are diagnosed each year in the UK and incidence rates in Britain have quadrupled since the 1970s.
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
Insurers given customer service guidelines
05 October 2007 13:29:50
Providers of life insurance, critical illness cover and income protection are among those being offered guidance on their customer service.
The British Insurance Brokers' Association (BIBA) has released guidelines for insurers to develop ways to demonstrate the quality of their customer service.
The document comes after calls by the Financial Services Authority (FSA) for companies to focus on the strategies they use to make sure customers are being treated fairly.
Steve White, BIBA's head of compliance and training, commented: "BIBA members may already be collecting a wealth of suitable information about their firm through their existing compliance reporting or market and customer research exercises."
He pointed out that difficulties often arise when it comes to "sifting through" the information collected to decide what is the most useful for demonstrating fair customer treatment.
The launch of the new guidelines follows a recent ABI initiative to encourage companies to promote energy efficiency and the reduction of carbon emissions to customers.
Brands including AXA Insurance and Friends Provident were involved in the launch of the ClimateWise principles.
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.
25 June 2007 17:23:05
Women who have suffered morning sickness during pregnancy have a 30 per cent reduced chance of developing breast cancer, a new study suggests.
Epidemiologists at the University at Buffalo also looked for an association between breast cancer and other pregnancy-related medical conditions - such as pregnancy-induced hypertension, preeclampsia, gestational diabetes or weight gain - but found none.
The controlled analysis compared data on pregnancy-related conditions from 1,001 women with primary breast cancer and 1,917 women without breast cancer.
David Jaworowicz, first author on the study, said: "Pregnancy is a time of drastic physiological changes, including rapid development and alterations in the breast tissue.
"The rapidly changing anatomy of the breast makes it more susceptible to errors in DNA replication and/or repair, which may translate into breast cancer," he added.
Whether stricken with morning sickness or not, mums-in-waiting are advised to ensure they have full life insurance and critical illness coverage - so that, should the worst happen, the impact on their child will be minimised.
08 April 2008 17:29:58
Using sunbeds raises the risk of developing a life-threatening form of skin cancer by as much as 75 per cent, Cancer Research UK has warned.
A study of 4,000 people by the International Agency for Research into Cancer found that people who start using tanning booths under the age of 35 - 82 per cent of those polled - face an increased risk of developing the most aggressive form of the disease - a finding which may affect their life insurance policies.
The survey, commissioned by Cancer Research UK, also found that as many as one in three women questioned had used a sunbed.
In light of the survey's findings, the charity is today launching its SunSmart campaign to warn sunbed users that over exposure to UV rays in tanning booths can be just as dangerous as getting burnt on the beach.
Rebecca Russell, Cancer Research UK's SunSmart campaign manager, said: "The results of our survey make for a stark warning to young people about the dangers of indoor tanning. You can't always see the damage that UV does straight away. It builds up over time."
According to Cancer Research UK, around 9,000 cases of melanoma - the most dangerous type of skin cancer - are diagnosed each year in the UK and incidence rates in Britain have quadrupled since the 1970s.
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
05 October 2007 13:29:50
Providers of life insurance, critical illness cover and income protection are among those being offered guidance on their customer service.
The British Insurance Brokers' Association (BIBA) has released guidelines for insurers to develop ways to demonstrate the quality of their customer service.
The document comes after calls by the Financial Services Authority (FSA) for companies to focus on the strategies they use to make sure customers are being treated fairly.
Steve White, BIBA's head of compliance and training, commented: "BIBA members may already be collecting a wealth of suitable information about their firm through their existing compliance reporting or market and customer research exercises."
He pointed out that difficulties often arise when it comes to "sifting through" the information collected to decide what is the most useful for demonstrating fair customer treatment.
The launch of the new guidelines follows a recent ABI initiative to encourage companies to promote energy efficiency and the reduction of carbon emissions to customers.
Brands including AXA Insurance and Friends Provident were involved in the launch of the ClimateWise principles.
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.