Long term, or life threatening illnesses, also bring about claims from life cover companies when a critical illness cover is included. This also has the capacity to change with modern advancements in medicine.
Illness or disease that carries the necessity for organ transplant would be strong enough to secure a life cover pay out. Organ donations in the UK have been at an all time low and this is of grave concern to the health authorities, due to many people not bothering to fill out organ donor cards.
Due to this, the government are making moves to ensure that every UK citizen is automatically an organ donor in the event of their death unless they carry an 'opt out' card. There are concerns that this takes the choice away from people but it just means that if someone is really against the idea, they will go to the minimal effort of filling in a card. It also means that there will now be many more organs to go round, many more lives saved and fewer life cover claims following death.
Add to that the realisation of US scientists who have managed to re-cycle hearts from dead animal bodies and make them beat again, the possibilities will eventually prove endless. Twenty two million people a year worldwide are currently living with the threat of heart failure and this breakthrough could be a life saver for them.
Experiments have already taken place with pig's hearts because their structure is the nearest of any animal to the human heart. If they could have all their cells washed away just leaving the basic muscle in a process called 'decellularisation', and then be injected with cells from the recipient, this would reduce the risk of rejection and save a multitude of lives.
Organ failure is a reason for critical illness cover to be paid out on life insurance and will cover the living expenses of the seriously ill person but if they were luckier than the man in the news recently who has been waiting 25 years for a kidney transplant, their quality of life would be massively improved with a transplant.
Of course, the biggest problem with organ transplants is the recipient's rejection, even when blood groups have been matched. The body sees the new organ as a foreign body and will reject it, still bringing about death if it cannot be rectified.
Scientists have taken a great deal of interest in a British girl who received a liver transplant, later becoming extremely ill with anaemia. In desperation, doctors took her off the anti-rejection drugs to find her body had taken on the immune system of the organ donor. She had changed blood groups form O Negative to O Positive. This has never been seen before and tests are being carried out into why it happened to help others in the same situation.
Long term illness, cancer and organ failure are a mounting statistic and life cover is there to ease the financial burden for the insured and their family. Lets hop the way scientists are going will mean that insurance pay outs will decrease as quality of life increases.
Most of the times, the disease is transmitted through sexual contact with an infected individual. However, there are also other means to be contaminated. The bacteria can be transmitted to healthy individuals through kissing or biting, as well as by nonsexual means. Going into direct contact with the infected items or objects could get the bacteria into our bodies any time.
Any direct contact with infected body fluids present the same high risk of contamination. Body fluids, like saliva, vaginal secretions, blood, seminal liquid, when contaminated, can infect a healthy individual if that person goes into direct contact with them. It is also possible that the mothers transmit the bacteria to their newborns.
There will be no immediate noticeable effect after the exposure. The bacteria can have a very inconspicuous beginning with no observable symptoms. But if it remains untreated and allowed to develop, the infected person can have a very exhausting and agonizing experience as the disease slowly progresses to its various stages, leaving its host physically, mentally and emotionally damaged.
The first indication of syphilis infection is the appearance of one skin lesion. It could be round or oblong in shape, firm and painless. Swelling of the lymph glands could also be a sign of infection. Additionally, here will be swelling in the penis, vulva, and anal area.
When the infection progresses to the secondary phase, indications of the primary stage will disappear. Skin rashes and lesions on the mucous membrane will develop over a large area of the skin. Rough red spots may develop in the palm of the hands and bottom of the feet. All the symptoms and indications of the secondary syphilis could get healed without treatment but the infection stays in the body. If this goes untreated, the infection will slowly but surely advance to the latent stage of syphilis.
Untreated syphilis after the signs and the symptoms are gone does not mean the infection is not there anymore. As we said, it will still be there. The evolution of the disease can take years and go through many phases. The incubation period can be up to ninety days; during this period of time symptoms can be missing. The "primary" stage of evolution as well as the "secondary" one is "easy". The "third" stage is the stage when the bacteria enter a latency state.
The latent state can again, last for several years without manifesting any symptoms. The "late syphilis stage" begins after five to twenty five years from the first exposure, regardless if it was due to sexual contact or not. At this stage the bacteria will invade the body and the damage will now be visible. It will subsequently destroy the internal organs, the brain, heart, bones, and nervous system.
Both Catherine Harvey & Elizabeth Campbell are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
Catherine Harvey has sinced written about articles on various topics from Culture and Society, Home and Wedding Gowns. Insurance expert Catherine Harvey looks at the effects on of organ transplants. To find out more please visit. Catherine Harvey's top article generates over 1500000 views. to your Favourites.
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