What is Trauma Insurance?

What is trauma insurance? The definition can vary from insurer to insurer. There are insurance companies with good financial ratings and there are companies with not so good financial ratings. There also companies with good policy wordings which normally pay claims and there are companies who do not pay claims.

In this article I am going to talk about importance of a Trauma Insurance and a very nasty illness it can cover – subject to policy definition you have provides the cover in the event you were diagnosed with this particular illness.

Creutzfeldt-Jacob Disease (CJD) is a rare form of progressive degeneration of the brain. Of course there are more people with cancer however this illness can be covered by critical illness insurance. It is the human version of bovine spongiform encephalopathy or what is more popularly known as mad cow disease.  It is caused by a mutated protein called prion.  It multiplies in normal brain protein transforming it into another prion and destryping neurons in the process.  This causes significant brain malfunction that progress over time that leads to a slow and steady demise. When people ask:

What is Trauma Insurance?

It is a very broad question- I think it is better to ask – what trauma insurance covers. Then think about your family medical history and try to cover with your trauma policy the ones you know you can develop.

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There are three forms of CJD.  It can be sporadic which means that the disease literally came out of nowhere.  The person who has this type has no risk factors for developing CJD.  By far, the sporadic type is the most common of the three. In the hereditary type, CJD runs in the family.  It is believed to be due to a genetic mutation that predisposes family members to have this disease.  The last one is the acquired type, which basically means that it was transmitted from person to person.  This is possible through organ transplantation like in corneal transplants and use of brain probes.  There are also variants of this disease.  The panencephalitic variant, for example, is seen mostly among Japanese people.  It has a long course with symptoms progressing over several years.

what is trauma insurance covered illnesses

what is trauma insurance covered illnesses

Photo courtesy of lovelornpoets(CC Attribution)

The symptoms of this fatal disease are non-specific.  It begins as a rapidly developing dementia with memory loss and subtle changes in personality. There can be difficulty in judgment, reasoning, and problem-solving.  As the disease progresses, it will affect other brain functions, as well as benign brain tumors.  Simple tasks like speaking, eating and even doing daily activities can become difficult.  Coordinated body movement like walking becomes impossible.  There can be blindness.  Uncontrollable muscle spasms can happen regularly.  In the late stages of the disease, the patient can have very little brain function left and will be unable to take care of himself. The patient can go into a coma.  Death is most commonly due to an infection like pneumonia.

The disease can be diagnosed in highly suspected individuals by doing a series of tests.  After doing a through neurologic examination, other causes of dementia must be crossed out of the list of possible diagnosis.  Imaging of the brain with Magnetic Resonance can be done to check for possible signs that are seen in patients with CJD.  Sampling of the spinal fluid is also useful to check for an infection that can cause dementia like chronic meningitis.  Studying the pattern of brain waves with an EEG can also help the doctor arrive at a diagnosis of CJD.  Unfortunately, there are no highly accurate tests that can easily diagnose the disease.  A keen observation with the support of these laboratory exams is still the way CJD is diagnosed.  Brain biopsy is the only way that can confirm the diagnosis of CJD.  However, this is not usually encouraged unless a treatable brain condition is being considered.

There is no cure for CJD. 

Treatment is directed to relieve symptoms and make the patient as comfortable as possible. Scientists are still doing research what can possibly lead to a more understanding on how the disease infects the brain so that preventive measures can be discovered to avoid CJD.  In the meantime the only step to take is to insure yourself with a trauma insurance policy which would provide the person insured and the family with an agreed amount of money according to the policy.

I would strongly advice to check the following: 1) Do you have a trauma insurance? 2) If you do – does your trauma insurance policy provides you with specified illness in the event you were diagnosed with Creutzfeldt-Jacob Disease. Please let me know if you would want to discuss a trauma insurance.

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