Health Insurance Claims News
New indicator of critical illness discovered
Critical illness claims news4th March 2010
Researchers have found that analysis of haemoglobin A1c (HbA1c) can more accurately identify people at risk of critical illnesses than the commonly used measurement of fasting glucose.According to a study at the Johns Hopkins Bloomberg School of Public Health, HbA1c levels can accurately predict future diabetes, and can better predict strokes and heart disease.
The research, published in the latest issue of the New England Journal of Medicine, said that when compared to the fasting glucose test, HbA1c analysis has low variability from day to day.
It noted that HbA1c test levels are not as affected by stress and illness. The test also removes the need for patients to fast beforehand.
The findings will also help doctors and patients to gain specific readings about the severity of possible conditions.
In the study, people with HbA1c levels between 5.0 to 5.5 per cent were identified as being within "normal" range.
With each incremental HbA1c increase it was discovered that the incidence of diabetes increased as well. People between 6.0 and 6.5 per cent were considered to be at a "very high risk" - or nine times greater than those at the "normal" range - for developing diabetes.
When making a critical illness insurance claim, a person may be asked to undergo a medical examination. Applicants for cover will also be asked if members of their family have ever suffered critical illnesses in the past.
Where it is found that there is a strong likelihood of a person developing a critical illness - such as through analysis of HbA1c - policies may be rated, leading to higher premiums.
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call 0161 720 6700 or e-mail now for a free claim consultation.
