Critical Illness Insurance in the UK

Do you ever worry about how your loved ones would cope if you were severely ill or gone one day? It is an unpleasant thought, but something very crucial to think about. Sure you know there are a number of good friends and reliable family members that will take care of them during their troubled times but what about financially? What about the expensive hospital bills and treatment expense? How do you know for how long you will be in a critical state? These things are all to be thought about and precautions can be taken to financially protect your family when they need it the most. Critical illness is a tax free lump sum of money, your family can benefit if you become seriously ill. Critical illness refers to conditions such as cancer, heart attack, critical disease, coronary artery bypass surgery, kidney failure, multiple sclerosis, stroke, major organ transplant and permanent severe injury.

You will have to check with the insurance company what type of conditions they cover because each critical illness insurance policy is different. Certain medical conditions with policies are not covered. Some of the medical conditions that don’t apply to the policy include certain types of tumours, angina, non invasive skin cancer, lymphoma, Kaposi’s sarcoma, and HIV. A financial boost is necessary during difficult times so it is essential to plan out and prepare for the hardships of your life by looking into critical illness insurance policies that will cover your needs. Critical illness cover can be obtained by individuals between the ages of 17 and 70. There are policies that are for a specific time period or you can also sign policies that are valid for life. A critical illness insurance claim can usually be made only 3 months after the policy has been signed.

A medical examination usually needs to be done before you sign an insurance policy for critical illness. Once the insurers have the assurance that you have a clean bill of health, they will accept you for being covered under a critical illness policy. They also will need to examine your past medical history and family history to determine what medical conditions can be covered. You will have to pay higher premiums if you are a smoker. Drug abuse, suicide, self inflicted injury and criminal behaviour will not be covered under your critical illness insurance policy.

The cheapest policy will probably cover only a few medical conditions. The more expensive policies will cover everything from A to Z, so the insurers get the satisfaction of charging you high premiums. It is best to stick to an insurance policy that covers a medium range of medical conditions and some important serious conditions. Read all the terms and conditions to fully understand what is covered and what is not. There are policies which can cover children if they need to be hospitalized. If you do have children, ensure your family is covered under the policy you choose. Check the premium trends and make sure they are fixed and will not increase after a few years. Try and search for critical illness insurance plans that provide guaranteed premiums. Obtain the key feature document from each of the insurers you are investigating to compare one policy from another and find the one that suits your budget.

Diagnosing Rectal Cancer

If you or your loved one has suffered because doctors did not diagnose rectal cancer in a timely fashion, you could be in a position to make a claim. To find out more, you need to speak to a solicitor as soon as possible.

Timely diagnosis of rectal cancer

Like all cancers, the prognosis for rectal cancer depends upon how deeply the tumour has invaded the tissue and surrounding lymph nodes. If the disease is caught in the early stages, treatment will be much less invasive and much more effective. But if the tumour mass is allowed to grow until it emerges from the peri-anal region, the prognosis for recovery will be poor.

Therefore it is extremely important doctors diagnose rectal cancer as early as possible. Of course this will not always be possible, especially if a patient does not seek medical attention until the condition is in the advanced stages. However, questions will be raised if a patient does attend his or her GP with the classic symptoms of rectal cancer, but a diagnosis is not made until many months down the line.

Although you may believe such a lengthy delay in diagnosis to be unlikely, it does unfortunately happen. Cases over the past 25 years have involved patients complaining to their GPs of abdominal pain, rectal bleeding, weight loss and changes in defecation – all of which are the typical symptoms of rectal cancer. But despite the characteristic signs being present, a diagnosis is not made in a timely fashion. This might be because:-

– A GP does not refer a patient for further investigation;
– There is a delay in performing a colonoscopy;
– The colonoscopy results are not accurately assessed;
– A referral to a specialist is not made.

Claiming for delayed diagnosis of rectal cancer

If this has happened to you or your loved one, you need to talk to a solicitor about the treatment you have received. This is because if a delay in diagnosis increased the amount of pain and suffering you have been caused, and affected the prognosis for recovery, there will be grounds for a medical negligence claim. This means doctors failed to provide an acceptable standard of care, therefore breaching their duty towards you. You will therefore be legally entitled to claim compensation for the pain, suffering and financial loss this has caused.

To discuss claiming compensation for a delayed rectal cancer diagnosis, please get in touch with a medical negligence solicitor today.

Global Study On Malignant Ascites Market Shares, Strategies And Forecasts 2016 – 2023 – Credence Research

The latest market report published by Credence Research, Inc. “Global Malignant Ascites Treatment Market – Growth, Share, Opportunities, Competitive Analysis, and Forecast, 2016 – 2024,” the malignant ascites treatment market was valued at USD 581.9 Mn in 2015, and is expected to reach USD 778.0 Mn by 2024, expanding at a CAGR of 3.2% from 2016 to 2024.

Browse the full report Malignant Ascites Treatment Market – Growth, Share, Opportunities, Competitive Analysis, and Forecast, 2016 – 2024 report at http://www.credenceresearch.com/report/malignant-ascites-market

Market Insights

Malignant ascites indicates presence of malignant cells in the peritoneal cavity. The most common malignancies linked with development of malignant ascites are cancers of ovary, colon/rectum, breast, lung, liver, lungs and lymphoma. The survival rate of such patients is poor; however appropriate treatment modality can improve the quality of life. Approximately half of the patients with malignant ascites have peritoneal carcinomatosis with additional 30% patients with liver metastases leading to portal hypertension. Traditional therapies for malignant ascites include paracentesis, shunting, drugs such as spironolactone, catumaxomab, and chemotherapy. With the advent of monoclonal antibody for treatment of malignancies, the catumaxomab is being increasingly preferred in palliative care of malignant ascites. Among the available treatment options, paracentesis is the most preferred option with higher success rates. However associated health risks with repeated procedures, alternatives and adjuncts such as chemotherapy and catumaxomab are being highly preferred by physicians in developed markets

North America was observed as the leading geographical region in malignant ascites treatment market driven by key factors such as aging population coupled with cancer complications, rising prevalence of several cancers, strong treatment pipeline, and rising awareness in medical practitioners associated with complexities related to ascites. During the forecast period 2016 – 2024, Japan was observed as the largest market in Asia-Pacific due to peaking geriatric population, increasing prevalence of cancers, and high public awareness related with early diagnosis coupled with several government initiatives. The other countries such as India, South Korea, Malayasia, Indonesia, Australia and Thailand are expected to observed significant growth in the near future due to developing healthcare infrastructure, availability of highly skilled oncologists and upcoming research and development facilities.

Market Competition Assessment:

The malignant ascites market is observed as the most diversified and competitive market comprising large number of players. The market is dominated by several players, depending on their major competencies. The key players in this market are AstraZeneca plc, Baxter International Inc., Becton, Dickinson and Company, F. Hoffmann-La Roche AG, Merit Medical Systems, Inc., Neovii Pharmaceuticals AG, Pfizer, Inc., Novartis AG, and GI Supply

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Key Market Movements:

High prevalence of cancers leading to ascites especially ovarian cancer, breast cancer, gastrointestinal cancer and colorectal cancer

Growing research in management of cancers and related ascites is increasing and the diagnosis of ascites is also expected to enhance over the period of time

The key challenge faced in malignant ascites treatment market is limited prognosis and difficulties in treating ascites

The major opportunity in malignant ascites treatment market is due to high unmet needs for treatment of malignant ascites and strong treatment pipeline

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