In the upcoming weeks, our articles will be looking at and talking about various critical illness conditions, the causes and how to reduce the chances of diagnosis. This week we will be talking about heart attacks.
We all like to relax after a hard week at work and maybe enjoy the odd drink, occasional take-away and putting our feet up, and I think it’s fair to say we have heard the saying ‘everything in moderation’! However, Heart Attacks remain the number 1 killer in the UK, with more than 160,000 people dying from heart and circulatory disease (CHD) alone every single year; a leading cause of heart attacks. It is a fact of life that every 5 minutes someone in the UK will have a heart attack, and this represents a significant risk to our aging population.
So, what is a heart attack? A heart attack occurs when one or more of your coronary arteries become blocked or suddenly interrupted. Without supply, the heart muscles may be damaged or begin to die.
What causes the heart attack? Over time, a coronary artery can narrow from the build-up of various substances, including cholesterol (atherosclerosis). This condition, known as coronary artery / heart disease, causes most heart attacks. According to the NHS, your risk of developing Coronary Heart Disease dramatically increases by; smoking, a high-fat diet, diabetes, high cholesterol, high blood pressure and being overweight or obese. There are of course other less common causes such as drugs misuse, and hypoxia (a lack of oxygen in the blood).
Are you at risk? If you lead a poor lifestyle, you may be at a higher risk of developing CHD. As you age, your risk also increases; in men, the risk for coronary heart disease increases starting at age 45. In women, the risk increases starting at age 55. Other factors including genetic risk factors also play a role, particularly if developing CHD runs in the family.
How can you mitigate the risks? There are several ways you may dramatically reduce your risks of developing CHD in your lifetime. Predominantly, mitigating the risks involves dramatic lifestyle changes such as quitting smoking, controlling high blood pressure, getting active and following a healthy diet. If you are concerned, you should always seek the advice of your GP whom may provide prescriptions for medication, including drugs to keep your blood pressure under control.
Is a Heart Attack classed as a Critical Illness? Absolutely. In most cases Heart Attacks are considered a Critical Illness and claims arising from a Heart Attack account for around 10-15% of all claims made on a life insurance policy. The average pay-out for a person whom suffers from a heart attack is more than £66,000 per person, with the average age of claimants being 48 for males, and 46 for females. Claims for Heart Attacks have been recorded by claimants as young as 31.
Call C&D Business Protection Specialists to find out more about how your Limited Company can pay for your Critical Illness & Life cover via a tax efficient Relevant Life Plan and a free no obligation quote.
CALL 0330 043 4321 or ENQUIRE www.businessinsuranceltd.co.uk/contact-us
This article is provided by C&D: Business Protection Specialists.