Medical Vision Dental

Looking more deeply at the cancer claims, the most common causes of male cancer claims were testicular (10%), Lung (10%) and Hodgkin’s/Lymphoma (10%) and for females it was breast (53%), ovarian (5%) and cervical (5%).

47 years, is the average of a male claimantr, whereas the female has an average age of 44 years.. Policies were held for an average of 4 years and 11 months before a claim was made.

Richard Jones, protection market director at Scottish Widows, said:

“The need for financial protection for both the family and business has never been greater, especially with more families relying on two incomes and the increase in the number of people who are self employed. However lack of consumer confidence is means that some people are failing to take out the valuable protection that they and their dependants need.”

Through publishing its claims history, Scottish Widows illustrates that most crtical cover claims are paid and highlights the reasons why some claims are declined. Of the claims received for the 12 months from October 2006 to October 2007, 5% were refused because the customer failed to inform about material information when the policy was started. A further 9% of claims were unsuccessful because the reason for making the claim was not actually covered by the policy definition. This is the second year Scottish Widows has increased the proportion of successful claims.

Figures from Scottish Widows show the insurance firm paid over $28 million in critical illness cover claims between November 2007 and October 2008.

On average, just over $540,000 was paid out each week, while just two per cent of claims were turned down because of non-disclosure, down from five per cent the previous year.

For the third year in a row the number of claims turned down because of non-disclosure has been reduced. The number of claims was reduded because they weren’t covered by policy was 10%.

Scottish Widows reported that it paid 86% of the critical illness (CI) claims it received in 2007 – an increase from 84% the previous year.

This was equivalent to a payout of over m for 847 CI claims.

Of those that were declined, 5% were declined due to non-disclosure – down from 8.4% the previous year – and 9% were declined for failing to meet the policy definition.

The common causes of claim were multiple sclerosis, stroke, cancer, heart-related conditions and children’s cover.

The average age of a male claimant 47 years and a female claimant was 44 years. Policies were held for just under 5 years before a claim was made.

The average age of a female claimant is 44 years, and the average age of a male claimant is 47 years. Policies were held for an average of 4 years and 11 months before a claim was made.There has never been a better time to get a critical illness quote.

An individuals sleep pattern can affect the way you feel and your health. And this affects even those who are leading healthy lifestyles. Thus, for those who want to take advantage of the no-claims bonus on a crtical cover or health insurance policy, read on to find out more.

Common health complaints like memory problems, coronary disease, and obesity, can be made worse by getting too much or too little sleep on a regular basis. A university med school paper recently showed that interrupted sleep occurring consecutively for 4 nights alters the insulin level in the blood to pre-diabetic levels.

There is no correct amout of sleep. It all depends on the indiviual’s needs, which often they don’t know. Some may require only 6 hours of sleep while others may need at least 9 hours to get going. The recommended number hours of sleep is averaged at 8 for most people, but most people base it on how they feel through the day, and whether they have energy.

Yet this information cannot change the fact that our modern day jobs have negative effects on our sleeping patterns. Facing a computer the whole day can lower our energy levels and thus lead us to feeling lethargic. Consuming alcohol to excess – is another problem which is common in the UK.

Get the balance of Diet, Exercise and the right amount of sleep is important, but this article is not written for those easily guilty about these situations. In fact, this insurance article has been written to bring awareness about how your sleep can be a financial risk to you. So maybe now is the time to get your  Critical illness quote

If future research shows that sleeping poorly at night can lead to critical illness for example, then take the hint and change your sleeping habits. Prevent these situations from happening while you can before it’s too late to do so.