Category Archives: Insurance

STI’s And Critical Illness Insurance

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The majority of us have all heard about what an STI – Sexually Transmitted Infection is, well research has confirmed that these are on the increase. For the people that are unsure it is a condition that is spread through infected people having sex, Not only do STI’s get transmitted by having intercourse but they can also get passed around by skin on skin contact with the genital area or anything that is going to potentially come in contact with them. More and more people are having unprotected sexual intercourse which is causing an alarming number of people to have unwanted pregnancies along with the unwanted STI’s.

This is the second commonly found sexually transmitted infection is the genital warts, alongside its friend Chlamydia. These warts are caused by the human papilloma virus HPV which has at least 100 different strains of it. This virus is the same one that causes cold sores on certain people. The warts virus is often found to be caused by strains six and eleven of the virus. Generally though there around thirty different strains of the HPV that can live on the genital regions of an individual. This virus can be passed form person to person so easily because often it can show no signs at all of being present in the first place.

The only inclination that it may be present is if you develop a small lump that you are unsure of or a small skin tag looking like a fleshy lump on or around your genital area, then this is potentially the wart virus, however if you show no signs of this condition it may of very well been there but passed without you even knowing. In some cases the warts may be internal and unless you seek medical attention you may never know you have them. The best thing that can be put into practice is safe sex, use a condom all the time and have regular checks with your doctor or health clinic. If you have had or currently have genital warts and you are applying for a critical illness insurance policy or even a life insurance plan, then the insurance provider will need to know about this condition. There is generally a question purely for sexual health within the application. They may offer you standard rates for your plan, however it could be difficult because in some cases you may which they would get a move on.

Critical Illness Cover And Ear Ache

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You can take many things for granted in your life and your senses could be one of them. You may never stop to appreciate and listen to what is going on around you, the hustle and bustle of a city centre, the quietness of the countryside or just listening to the birds in the back garden, you may never know what it feels like to loose either full or partial hearing. It can become painful if you suffer from constant ear ache however there are a few home remedies that may help you.

Earache can be caused by a number of things and can be trigged even by an allergy. Throughout the day the tubes in your ears naturally drain to the back of your throat, where through the night these do not naturally drain away the fluid and therefore when you wake up in the morning you may feel as if someone has poked you with a needle. If you are a frequent swimmer for example this may also cause pain within your ear like the pain people sometimes experience when they go on plane. If it is not possible to see your doctor within the first days of suffering from ear ache then there are a few things that may help reduce the pain. For example you should try and sit up straight and try to swallow in order to try and drain the fluid but you could try and wiggle or massage your ear. Whilst on plane it is common for people to chew gum or try and yawn in order to open up the tubes within your ear to release the fluid. When on a plane you need to try and equalise the pressure within your air however people do get a popping feeling within their ear but you have to be careful. You could get earache due to an ear infection and you could take the normal pain relief in order for the pain to go away.

But again the normal remedies would be to do anything to try and make you swallow such as sipping water. Both earache or ear infections may not seem life threatening however they can cause a lot of pain and if suffered since being a baby after a while you may start to get irritated by the situation and could possibly have to go back to the doctors time and time again for different medication for example. At the time you may not think to take to notice of the medication however if you were to ever apply for a ;Critical Illness Cover contract you would have to disclose any treatment or medication taken typically in the last five years, although this may not make any difference to the underwriting outcome you need to be as honest as you can and document anything you visited your doctor about. It is possible for some people to visit their doctor who will be able to list any illnesses or medication because for most people this may prove hard to remember what illness or medication you took in the last five years.