According to statistics, there are currently about 700,000 diabetic patients in Hong Kong, that is, 1 in 10 people suffers from it, and 1 in 2 diabetic patients develops complications when they are diagnosed. In recent years, the number of young patients has continued to rise. Among Hong Kong people under the age of 35, 2% suffer from diabetes, and for those over 65, the proportion is more than 20%. It can be seen that diabetes may be far away, but it may be close at hand.
Urban people live a busy life, with irregular schedules, lack of adequate exercise, and unavoidable life supplements. If life is unbalanced and health is not taken care of, it may lead to diabetes. Since there are almost no symptoms in the early stage of diabetes, most patients fail to control and receive treatment as soon as possible until they feel unwell or develop diabetes complications (such as: diabetic eye, diabetic foot, kidney failure, heart disease, stroke, etc.) Long tail”. Patients with complications not only need the assistance and help of their caregivers in their daily life and diet, but also increase the financial burden of their families.
Although diabetes is a chronic disease that is difficult to cure, as long as you do a good job of healthy risk management, you can live comfortably. Here are two client cases with diabetes to share with you:
Client 1: A man, 44 years old, diagnosed with diabetes at the age of 35. After being diagnosed, he has been following the doctor’s instructions, paying attention to diet and exercising, as well as regular follow-up visits and taking medicines. He still travels all over the mountain trails and fitness centers, swaying sweat.
Client 2: Madam, diagnosed with diabetes at age 36. When she learned of her condition, she ate, drank, and had fun with the mentality that she wanted to spend every day happily. In the past 6 years, due to uncontrolled blood sugar, kidney failure and retinopathy occurred. Not only was his eyesight damaged, but he also required daily kidney dialysis. After that, he had a series of strokes and ulceration of both feet, which required amputation. Her family brought a heavy burden.
In fact, diabetic patients need to do a good job of healthy risk management. In addition to paying attention to healthy diet, they can also consider purchasing a critical illness protection plan that covers diabetes complications. In the old world of insurance, most people with diabetes would have difficulty being covered by insurance companies, or the condition would be listed as an exclusion. Fortunately, there is now a critical illness benefit specially designed for people with type 2 diabetes, and no medical examination is required. In addition, there are whole life insurance plans on the market that provide diabetes cash allowances for customers diagnosed with diabetes at a specified age, which helps to share the drug expenses of diabetic patients; in the unfortunate event that diabetes requires amputation, kidney failure or retinopathy and other complications The protection will also provide compensation for complications to relieve the financial pressure during treatment, so that patients and their families can get some breathing space financially to face diabetes calmly and head-on.
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[Sir Shi’s Weekly Prospect and Changed Stocks]Li Ning, Sinopec, China Overseas Development
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Written by: Li Hongzhang Senior Manager of Wantong Insurance Wealth Management
Column name : Insurance DNA