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Diabetes, a disease that will cost dear for life insurance companies


Denis Méthot

July 12, 2019 09:30

To receive a diagnosis of type 2 diabetes should not be taken with detachment. Thepublic health Agency of Canada reminds us that the life expectancy of people with diabetes is reduced by approximately 10 years in the 1 to 19 and 5 to 10 years, among 20 to 64 years of age. The consequences of poorly controlled diabetes mellitus on the physical and mental health are related to complications that can develop with the years and be disastrous. Here are 8 :

Cardiovascular disease : diabetes triple the risk of dying from a heart disease and increases the risk of having a heart disease at a young age. Women who suffer from diabetes are also exposed to a higher risk of heart disease.

Diseases of the eye and blindness : When it is poorly controlled, precise Diabetes Québec, an excess of sugar in the blood is thickening and hardening of the blood vessels that supply blood to the eye, and they cannot do their job properly. Diabetes can cause complications in the retina, lens (cataract), iris (rubéose) and the internal pressure of the eye (glaucoma).

Renal insufficiency : data from 54 countries show that at least 80% of cases of end-stage renal disease are due to diabetes, hypertension or a combination of both conditions. Kidney failure can lead to dialysis. The incidence of end-stage renal failure is up to 10 times higher in adults with diabetes than non-diabetics.

Lower limb Amputation : diabetes increases the risk of lower limb amputation related to foot ulcers which are infected and do not heal. The rate of amputation in populations in which diabetes was diagnosed are 10 to 20 times higher than in non-diabetics.

Neuropathy : neuropathy is damage to the nervous system. When the rate of sugar in the blood remains too high over a long period of time, it can damage the nerves, particularly those of the lower limbs.

Physical Complications : diabetes is often associated with sleep apnea, the capsulitis, erectile dysfunction, yeast infections, urinary tract infections and periodontics.

Depression : according To Diabetes Canada, the depression is more common in people with diabetes than in the general population. Approximately 30 % of diabetics have symptoms of depression and 10 % suffer from major depression. A depressive mood leads to poor physical and mental functioning, which complicates the treatment of the disease. One can then observe a less good management of blood glucose levels, health problems related to diabetes and an increase in the costs surrounding health care.

Hypoglycemia : In the short term, one of the biggest risks for the person with diabetes is hypoglycemia. It is defined as a decrease in the rate of blood sugar below 4 mmol/L with or without symptoms. There are three levels, mild hypoglycemia, moderate, and severe. In the latter case, the person may lose consciousness.

The main risk factors

The risk of developing type 2 diabetes is determined by a mixture of genetic factors and metabolic disorders.

Gender : men, because of their weight, are more prone than women.

Age : the risk of developing the disease increases as one gets older and is more common quarantine the past.

Family history : If a type 2 diabetes has been diagnosed in your parents, your brother or your sister or your child, the risks are higher for you.

Ethnicity : people of aboriginal, south asian, asian, hispanic and african, are more likely to have type 2 diabetes.

Excess weight : the risk of type 2 diabetes is 3 to 7 times higher in people with obesity and up to 20 times higher in people with severe obesity than in those with a healthy weight.

A high waist circumference around the abdomen : even if it is demonstrated that a waist measurement and a body mass index higher are associated with an increased risk of type 2 diabetes, this is not true for all. This relationship varies according to the populations. Diabetes is said to a level of body mass index to be lower in the populations of South-East Asia than in populations of european origin.

Among other factors facilitating the development of diabetes include physical inactivity, smoking, hypertension (high blood pressure), high cholesterol, glucose levels abnormally high in the past. For women, having given birth to a baby of more than 4.1 kg (9 pounds) is a risk factor.

Usually, says the Association of heart disease and STROKE, the symptoms of type 1 diabetes appear suddenly and worsen quickly. The symptoms of type 2 diabetes evolve more slowly, whereas some people have none.

In many cases, the symptoms of type 2 diabetes are so minor that they go unnoticed for several years. It is estimated that on average, it takes seven years for a diagnosis by a physician. During this time, the disease develops without the knowledge of the person. This is one of the reasons why many people are living with type 2 diabetes without realising it.

The habits of life that can be changed

Risk factors genetic, ethnic and age-related are not editable. However, other factors, such as overweight and obesity, poor diet, insufficient physical activity and smoking can be corrected through behavioral changes and environmental, insist the experts.

Some say that 90 % of all diabetes cases and 60 % of the complications could be avoided if we changed the risk factors and ensures better support of the disease. Because once it is installed, to eliminate the disease requires exceptional measures, and it is better to intervene early, prevent its development, that of the fight, once acquired.

The canadian government issues the following recommendations to prevent type 2 diabetes in people who have not yet developed :

Maintain a healthy weight

Have a healthy diet, eat 5 to 10 fruits and vegetables per day, increase fibre intake, reduce the fat and salt, limit alcohol consumption.

Do physical exercise at least 30 minutes of activity per day, every day.

Do not smoke.

Reduce stress, manage blood pressure and levels of cholesterol and glucose.

The pandemic of the 21st century

Scourge. Disaster. Pandemic. The most alarming are used to describe the extent to which diabetes.

In 40 years, the number of diabetics has quadrupled across the world. In 1980, 108 million adults aged 18 years and over suffered from it. In 2014, this figure rose to 422 million. If nothing is done to stop this trend, experts predict that it will rise to 592 million diabetics within a few years.

In its edition of August, the Journal of the insurance will look at this disease that insurers cannot ignore. Make sure you get this issue by subscribing or renewing your subscription :

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