FAQ - Critical Illness
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Is cervical cancer considered a "deadly" cancer to critical illness insurance providers?


My wife has been diagnosed with cervical cancer for which she needs to be operated on. Historectomy. We have critical illness insurance on our mortgage and wonder if theis is covered?
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I asked if Connective Tissue Disorder is a critical illness because I have critical illness cover?


I intend to make a claim on my policy if it is classed as a critical illness
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Depends on which connective tissue disorder and it's severity.  (+ info)

What can an OCD patient do when they are having their most critical stage in their illness?


Besides committing suicide, what elso they can do?
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See a therapist.
Stress can make OCD worse & therapy does help!
& your medication sounds like it needs an adjustment. If you're not on meds, you need to be on them.
& find something that relaxes you. Whether it's reading, going for a walk alone or meditating.
Get outside in the sunshine too.

Good luck! & you'll get through this!  (+ info)

Is crohns disease recognised as a critical illness to insurance companies?


Not as a critical illness but if you fail to tell insurance companies that you have crohns they can come back at anytime and say that your insurance is null and void!1  (+ info)

is there such a thing as critical illness insurance stand-alone version?


I mean without life insurance element included. So when u get critically ill then u r paid a given compensation amount and can do with that money what u want
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I don't think so.  (+ info)

Is there a need for critical illness insurance when your 30?


That is like looking in to a crystal ball, or playing Russian roulette, which is what insurance is all about. It is likely to be cheap if you take it on at a young age.  (+ info)

In preventing illness, why is stress-management a critical factor?


Stress is the most common cause of ill health in our society, probably underlying as many as 70% of all visits to family doctors. It is also the one problem that every doctor shares with every patient. This presents physicians with two advantages:

* It is an issue we can relate to experientially so we can use ourselves as a reference point.
* In studying and better understanding stress, we can derive personal as well as professional benefits.

As my mentor, Dr. Matthew Budd of Harvard University, told me at our first meeting in 1982, "If you want to help your patients deal with their stress, you're going to have to learn to handle your own." Therefore, when I talk to physicians, I invite them to listen on two channels: one for their patients and one for themselves. The material is much more meaningful if you can connect with it on a personal level.

The manifestations of stress are legion. Early in this century, medical students were taught that, "if you know syphilis (the great masquerader), you know medicine." One could say the same about stress. It can contribute to or mimic just about any symptom you can think of. However, the main presentations can be summarized under four headings: physical, mental, emotional and behavioral (see Patient Information sheet.)

The causes of stress are multiple and varied but they can be classified in two general groups: external and internal. External stressors can include relatives getting sick or dying, jobs being lost or people criticizing or becoming angry. However, most of the stress that most of us have is self-generated (internal). We create the majority of our upsets, indicating that because we cause most of our own stress, we can do something about it. This gives us a measure of choice and control that we do not always have when outside forces act on us.

This also leads to my basic premise about stress reduction: to master stress, you must change. You have to figure out what you are doing that is contributing to your problem and change it. These changes fall into four categories: change your behavior, change your thinking, change your lifestyle choices and/or change the situations you are in. By getting to the root causes of your stress, you can not only relieve current problems and symptoms but you can also prevent recurrences. For example, if you keep becoming frustrated over arguments with your children, you might discover that the cause of your upset is not their behavior but your unrealistic expectations. By modifying your standards, you might find the children's actions no longer bother you.

There are many ways to relieve stress, from going for a walk to quitting your job. What follows is a list of 10 practical and down-to-earth strategies which I have found helpful over the years for both myself and my patients. Some are simple and can be implemented quickly; others are a bit more involved. All are feasible and beneficial.

What Is Stress?

Dr. Hans Selye, the father of stress theory, defined stress as "the nonspecific response of the body to any demand made upon it." The "demand" can be a threat, a challenge or any kind of change which requires the body to adapt. The response is automatic, immediate. Stress can be good (called "eustress") when it helps us perform better, or it can be bad ("distress") when it causes upset or makes us sick.
What Does the Stress Reaction Consist of?

The stress reaction results from an outpouring of adrenaline, a stimulant hormone, into the blood stream. This, with other stress hormones, produces a number of changes in the body which are intended to be protective. The result often is called "the fight-or-flight response" because it provides the strength and energy to either fight or run away from danger. The changes include an increase in heart rate and blood pressure (to get more blood to the muscles, brain and heart), faster breathing (to take in more oxygen), tensing of muscles (preparation for action), increased mental alertness and sensitivity of sense organs (to assess the situation and act quickly), increased blood flow to the brain, heart and muscles (the organs that are most important in dealing with danger) and less blood to the skin, digestive tract, kidneys and liver (where it is least needed in times of crisis). In addition, there is an increase in blood sugar, fats and cholesterol (for extra energy) and a rise in platelets and blood clotting factors (to prevent hemorrhage in case of injury).
What Are Common Symptoms of Stress?

Manifestations of stress are numerous and varied but they generally fall into four categories (this is only a partial list of most common symptoms):

Physical: fatigue, headache, insomnia, muscle aches/stiffness (especially neck, shoulders and low back), heart palpitations, chest pains, abdominal cramps, nausea, trembling, cold extremities, flushing or sweating and frequent colds.

Mental: decrease in concentration and memory, indecisiveness, mind racing or going blank, confusion, loss of sense of humor.

Emotional: anxiety, nervousness, depression, anger, frustration, worry, fear, irritability, impatience, short temper.

Behavioral: pacing, fidgeting, nervous habits (nail-biting, foot-tapping), increased eating, smoking, drinking, crying, yelling, swearing, blaming and even throwing things or hitting.
What Are the Causes of Stress?

Dr. Selye called the causes of stress "stressors" or "triggers." There are two kinds of stressors: external and internal.

External stressors include:

* Physical environment: noise, bright lights, heat, confined spaces.
* Social (interaction with people): rudeness, bossiness or aggressiveness on the part of someone else.
* Organizational: rules, regulations, "red tape," deadlines.
* Major life events: death of a relative, lost job, promotion, new baby.
* Daily hassles: commuting, misplacing keys, mechanical breakdowns.

Internal stressors include:

* Lifestyle choices: caffeine, not enough sleep, overloaded schedule.
* Negative self-talk: pessimistic thinking, self-criticism, over-analyzing.
* Mind traps: unrealistic expectations, taking things personally, all-or-nothing thinking, exaggerating, rigid thinking.
* Stressful personality traits: Type A, perfectionist, workaholic, pleaser.

It is important to note that most of the stress that most of us have is actually self-generated. This is a paradox because so many people think of external stressors when they are upset (it is the weather, the boss, the children, the spouse, the stock market). Recognizing that we create most of our own upsets, however, is an important first step to dealing with them.
What Are Some Ways to Master Stress?

The following are some categories that can be helpful in mastering stress:

Change lifestyle habits.

* Decrease caffeine (coffee, tea, colas, chocolate).
* Well-balanced diet.
* Decrease consumption of junk food.
* Eat slowly.
* Regular exercise (at least 30 minutes, three times per week).
* Adequate sleep (figure out what you need, then get it).
* Leisure time (do something for yourself everyday).
* Relaxation exercises (e.g., meditation, self-hypnosis).

Change stressful situations.

* Time and money management.
* Assertiveness.
* Problem-solving.
* Possibly leaving a job or a relationship.

Change your thinking.

* Look at things more positively.
* See problems as opportunities.
* Refute negative thoughts.
* Keep a sense of humor.

Diversion and distraction. Take a time-out (anything from a short walk to a vacation) to get away from the things that are bothering you. This will not resolve the problem, but it gives you a break and a chance for your stress levels to decrease. Then, you can return to deal with issues feeling more rested and in a better frame of mind.

[Prepared by Dr. David B. Posen Lifestyle Counselor and Psychotherapist, and Author of "Always Change a Losing Game" Oakville, Ontario. May be copied and distributed to patients]  (+ info)

Is breast cancer covered under my critical illness insurance with Co-operators in Canada...?


I have Critical Illness insurance in Canada with Co-operators. I am wondering if I will get a pay out if I have breast cancer. I know that the American insurance is a lot stingier than Canadian insurance...I have at least a stage 1 invasive-type of cancer....so far we don`t know if it has spread and what stage it may change to...
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is a Connective Tissue Disorder, classed as a critical illness?


Depends on which connective tissue disorder and it's severity.  (+ info)

I recently had a Mailgnant mole removed from my back and didnt have life or critical illness cover.


Will Insurance companies now give me cover. The "mole" had not spread.
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