ppt me and u

8/3/2019 ppt me and u

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Effect Of Build,Effect Of Build,Family History,Family History,Blood PressureBlood Pressure


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Chart of standard weights

Consideration of build is based on Charts according to Age,

Height, weight


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UNDER - WEIGHT

Impairment especially at younger ages

Causing conditions like :

Tuberculosis

Anemia (shortage of healthy red blood cells)

Lack of resistance to acute infection

Under Weight need special care in undeveloped and developing

countries because of :

Lack of control on TB

Poverty

Under- Nourishment

(cause high deaths)


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Sub- Standard Cases needs to be postponed or charged withextra premium

It varies from case to case and depend on several factors

Factors considered for sub- standard cases :

1. Life to be assured should have basic education so that it canunderstand implication of some major illness.

2. He has adequate means and facilities for availing medical

treatment.

3. polluted work and home environment.4. Chest expansion is at least 5 cms.

5. The recoded weight should be at least 37 Kg

For 1st time applicant with 17.5% underweight an X-RAY of chest,

CBC & ESR may be obtained


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OVER - WEIGHT

Moderate over weight Advantage upto Age 40

Chief Hazards :- Heart Diseases, blood vessels and Kidneys

Diabetes is a major risk ( Fat men over 40 are prone to it 19 times

than a thin man)

Half of the death are due to Cardiovascular and renal (kidney

function ) diseases.

Weight may increases with age during the policy period

in such cases special reports can be asked

Special care is required for border line cases


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OTHERINDICESOF BUILD

Chest Girth :Mortality rating will increased by debits for under weight with below

normal chest expansion

Mortality rating will reduced by credits if chest expansion is above normal

in over weight

Chest expansion : Good expansion = better vital capacity

Cause of abnormal expansion is important

Shrinking can be due to pneumonia

Poor examiner can take wrong measures

Abdominal Girth :

large girth increases mortality in over weight

Debit points are increased as per the cms excess of Abdominal


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EXTRAPREMIUMS & LIENS

Impairments of build increase risk Lien may be charged in following circumstances :

Life is under-weight and less than 33 yr decreasing lien in place of the extra

charged may be allowed (on special request)

Life under 33 yr, a lien will be charged for under-weight from the out set and no

option will be allowed to pay an extra in lien.

I. Works in factory or from low income group

II. Proposal from remote place and life proposed are under-weight say 17 %

III. With family history of TB or pleurisy

IV. Moral hazard or doubt on the medical examiners

Extra mortality rating in class 1 or 3


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Comparison with previous measurements andweight

Comparison is vital

Previous policy can provide data

Explanation of the proposer can be called for-

A. Explanation from the proposer on change of weight, reason and if stable since

when?

B. To postpone consideration of the proposal (when change in weight is much)


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FAMILYHISTORY

Average longevity of family Hereditary tendency of disease

Exposure to infection

Family history is better than average when both parents reach 70yr

Worse in case : parents dyeing before 50yr

Two cases of alcoholism

Brights disease (kidney diseases)

Diabetes

Epilepsy (brain disorder involving repeated)

Heat problems

Insanity or suicide before 60yr


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FAMILYHISTORYOFTUBERCULOSIS

Common environment causes TB

Factors taken in account:

1. Number of TB cases in family

2. Immunity due to age

3. Resistance arising from weight

4. Period since exposure

5. Intimacy of contact

6. Type of TB : as TB of bones or joints is less risky than of lung


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IMPAIRMENTSOFNERVOUSSYSTEM

Schizophrenia : 50% to 60 % due to hereditymale : in early life / Female : after menopause

It debars the purpose from insurance

Risk of suicide high

A single case of insanity can be ignored

Epilepsy : it has neurotic inheritance

If applicant is mentally stable till age 35 there is no need of extra

charge


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