Although you may not have heard about them, many people suffer from them. In the European Union alone, they affect more than 50 million people. They may not seem serious, but their consequences are severe.
Although you may not have heard about them, many people suffer from them. In the European Union alone, they affect more than 50 million people. They may not seem serious, but their consequences are severe. Comorbid conditions — What are they and what hazards they entail? This is what you are going to learn from our article.
The term of comorbid conditions has become popular with the progress of the COVID-19 pandemic. Multimorbidity, as this is what this condition is termed, means more than one condition diagnosed any single time in a single, specific patient. This means that the patient may experience symptoms of different conditions at the same time. This affects particularly seniors. The most frequently mentioned comorbid conditions include:
● Alzheimer disease,
● Prostate hypertrophy or cancer,
● Various physiological changes, including reduced peristalsis, reduced stomach acidity, or reduced intestinal absorption.
What conditions can be termed comorbid?
There are conditions that weaken the body to a significant degree. They often cause generalized infections of a major part of the body as well. Such effects are brought about e.g. by obesity, depression, rheumatic diseases, and heart diseases.
In the latter case a patient must struggle with more than one condition at the same time. Atrial fibrillation, diabetes, or overweight may occur simultaneously, reducing the comfort of living to a significant degree.
Rheumatic diseases are connected with such other complaints as psoriatic arthritis, lupus or vascular diseases.
Depression entails simultaneous struggling with permanent tiredness (fibromyalgia), anxiety, headache, or rheumatoid arthritis.
In the case of obesity, the patients often suffer from type 2 diabetes, hyperlipidemia and hypertension.
What contributes to multimorbidity development?
Multimorbidity develops in the patient’s body in specific conditions. All sorts of infections or dysfunctions of specific organs, e.g. the heart or lungs, are the most conducive to the complaints.
Interestingly, comorbid conditions appear most often in people suffering from chronic diseases. However, other factors also contribute to them, the most important ones being:
· Chronic infections,
· Metabolic disorders,
· Genetic susceptibility,
· Medical errors.
COVID-19 and multimorbidity
According to the global announcement, the coronavirus may not give any clear symptoms, particularly in young people. The asymptomatic disease course is much less frequent in older people. This is because the older we get, the weaker our body becomes. Over time, we suffer from more and more diseases, including e.g. urinary tract infections or lung conditions. Such conditions aggravate the risk of Covid-19 infection.
This is why the coronavirus infection is considered to be more dangerous in the case of older people. According to the sample statistics from April 2020 (New York City Health), most people dying of coronavirus were those older than 75 years. Young people, who are stronger and more immune to different infections, experience a milder disease course and suffer its consequences less.
How to protect from multimorbidity?
The current pandemic situation worldwide forced the insurance companies to amend any terms and conditions of coverage in the case of disease. New life insurance policies are to be aligned with the dynamic and problematic situation, increasing the sense of safety among people.
Most life insurance policies by large insurance companies offer to pay benefits for extended hospital stay.
Interestingly, we will receive compensation for every day of hospital stay, even if the reason is a coronavirus.
Another option of insurance offering protection in the case of comorbid conditions is the serious disease policy. Although insurance companies do not always use the same, rigid classification of diseases, in most general terms their two groups can be mentioned in terms of coverage by a policy:
· Primary diseases — e.g. heart attack, stroke, organ transplant, renal failure, cardiovascular angioplasty (PTCA), valve or aorta operation.
· Extended — e.g. multiple sclerosis, third-degree burns, aplastic anemia, Alzheimer disease, coma, Parkinson disease, total paresis, HIV infection, traumatic brain damage, viral brain cerebral inflammation or Ebola virus.
Depending on the insurance company, the policy covers people in a specific age group, the agreement is executed for several years and the benefits may be received more once (with a limitation of the maximum benefit quantity). Every consecutive disease usually means the payment of a lower percentage share of the benefit.
When does the policy not apply?
The insurer is entitled to refuse the compensation disbursement if the disease results from:
● Committing or attempted committing of a crime,
● Attempted suicide, self-injury or injury at one’s own request regardless of the capacity,
● Consumption of alcohol, psychoactive drugs, psychotropic substances or replacement drugs, except from prescription drugs administered by a doctor,
● Earlier diagnosis and treatment,
● Congenital defects and their consequences.
Source: insurance comparison site rankomat
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