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Your Online Guide » Weight Loss » Causes of Obesity

[R36]Ratings For Insurance Companies
by Catherine Harvey, Cat

Whenever we fill in an application form for health insurance, one of the main aspects of your health they will ask is your weight and for information on your diet. Health insurance companies have their own set of guidelines as to what constitutes a healthy weight/height ratio but this doesn't give the whole picture as muscle weighs so much heavier than fat. This means that a person who, on paper, is considered overweight could be perfectly healthy. Adversely, a person who is within the healthy weight range could also have excessive body fat which brings health problems itself.

So, why do health insurance companies have such an issue with our weight? Well, carrying excessive weight puts the body under immense strain. It increases the likelihood that cancer will go undetected while they are hidden under a layer of fat. Lumps are not noticed and symptoms are put down to the everyday disadvantages to being overweight, thus not being picked up as cancer.

Being overweight also puts a huge strain on the body's internal organs. The heart has to work so much harder to pump sufficient blood and oxygen round the larger mass and diabetes is much more likely to occur when the body cannot convert the junk that is being put into it into anything useful. Obesity brings circulatory disorders such as blood clots into an ever increasing risk the larger a person is.

Added into all these factors is the difficulty of falling pregnant when overweight and the complications that it can lead to while pregnant. Obesity puts mother and baby at risk and will also lead to an increased chance of your child being overweight.

Of course, no one can deny that losing excess weight is easier said than done. But if you can make small changes to diet and exercise then you are on your way. Limiting the junk food, the processed food and fast food is a great start. Replace them with fresh fruit and vegetables and the occasional treat and the pounds will soon drop away.

Small differences to the way we move all help too. Walk up stairs whenever possible instead of taking a lift or escalator. Get a cordless phone and walk around while talking instead of sitting down. Stand and do the ironing while watching TV or even invest in some home gym equipment you can use whilst watching TV will all help. If you don't want to go to this expense, simply take a little time out of each day to walk, or even be a little more energetic when you're doing the housework - it all adds up to a healthier you.

It's no wonder that people have become overweight when you look at how our lifestyles have changed over the years. We now live in an age of convenience.
Convenience foods, convenience equipment, cars all designed to speed up what we can achieve in a day but at the same time making us fat and lazy. We feel conditioned to cramming a certain amount into our day but we also feel conditioned to look a certain way and it just isn't happening.

'Me' time is a phrase that has been coined by the media in recent years as one of the things that has gone out of the window in our crazy times and apparently it is something we should all be striving to get back again. However, that doesn't mean that we have to fill that 'me' time with sweaty gym workouts or five mile jogging sessions.

At the end of the day, to lengthen our lives and lower our health insurance premiums, we would do well to eat fresh and healthy and move a little more. It can't hurt to try.


Norwich Union has announced that it has already changed its policy on insurance claims after the guidelines published recently by the industry's umbrella body. The numerous refusals from insurers to pay out on policies after it came to light that customers had not provided all of the required details when they set up the policy.

Until now if someone had forgotten to include a fact on an insurance application would run the risk of being refused a future critical illness, income protection or life insurance payout, this would remain the case even if the missing details had nothing to do with the claim in question.

In what the Association of British Insurers (ABI) has termed a ?pioneering? commitment, it has pledged that its members will pay out more claims, even if some medical information has not been included in the original policy, unless that information has been deliberately withheld.

According to the ABI, insurers will pay out ?a fair sum, reflecting risk and premiums paid.? In the case that the insurer has taken on a policy unaware of all the necessary facts, the premium would be refunded.

Stephen Haddrill, ABI director said: ?Customers want to know that their insurance claim will always be assessed fairly and paid without fuss. The industry wants more customers to be able to take out insurance with confidence. Insurers have signed up to ensuring both of these happen. The number of protection claims that are down will fall.?

Norwich Union conducted a study during which they asked 5000 of their insurance customers to review the original policy application document and inform the insurer of an inaccuracies.

The intention of the trial was to amend any mistakes which could potentially invalidate any future claims. 236b customers added further information to their policy, 33 of which were significant with the potential to affect underwriting decisions.

Norwich Union's director of protection, Willie Mowatt, said: ?We have been heavily involved with creating these new ABI guidelines and we wholeheartedly support any such initiative which can provide fairer treatment to all of our customers.

"Non-disclosure has been an industry-wide problem for some time now, so the latest ABI guidelines are a great step forward to help tackle the issue.We were also very impressed with the response we received through our pilot exercise. Nearly 600 recipients replied in total, which shows that consumers are taking the issue of non-disclosure seriously.

"We believe that a combination of action already taken at the application stage to ensure that the need for disclosure is well understood and the new ABI guidelines will go a long way to reduce the number of claims which are declined as a result of this."

Mowatt went on to make the serious-ness of omitting information clear, saying: However, Mr Mowatt added: "The only way people can be sure of receiving a full payment in the event of a valid claim is to fully disclose at the outset of their policy.

"This way, customers can have greater peace of mind in the event that they need to make a claim. We would always advise people that if they feel they may have missed something off their application, it is better to inform their insurer to make sure their policy is valid than to risk receiving a partial payment or a rejected claim at a later date."

These changes are sure to mean more people are willing to take out life insurance policies, keeping the life insurance leads industry buoyant. The new ABI guidelines are proving popular with analysts, the commitment to pay out more frequently on policies is sure to entice more customers into buying insurance.
Article Source : Obesity Childhood

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Both Catherine Harvey & Jemma Tipping 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. Health expert Catherine Harvey looks at the way our diet and lifestyle affect our premiums as well as our quality of life.. Catherine Harvey's top article generates over 1500000 views. to your Favourites.

Jemma Tipping has sinced written about articles on various topics from Finances, Cheap Insurance for Car and Finances. .. Jemma Tipping's top article generates over 60500 views. to your Favourites.
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