How Insurance Sees Your Heart?
Hello!
Ready for our #MondayBlog today, dear reader?
Our focus today is your heart. So, can you tell us how your heart is?
We are not talking about your emotions, although they are important and valid and we hope you are happy and healthy to face all the difficulties of daily life, as well as to live good moments of accomplishment.
But our goal is to talk about this muscle, located in your chest, that beats constantly and that does the important job of getting our blood circulating, breathing for us.
Did you know that heart diseases are the main cause of death in Brazil?
Impressively, according to the cardiometro website, since the first day of the year until today more than 26 thousand people have died in our country as a result of cardiovascular disease.
A cardiovascular event can be the most well-known heart attack, cardiac arrest, a stroke, an arrhythmia, or even a thrombosis, among others. And these heart problems are the result of poor eating habits, lack of exercise, stress, anxiety and also genetic factors.
We all know that our busy life doesn't help us to eat as we should or exercise daily, which is a shame, as regular exercise reduces the risk of having a heart attack by 37%.
Eating healthy and making fast food consumption rare rather than routine lowers the levels of inflammation in our bodies, and makes us feel better, more energized, healthier and happier.
And believe me, we understand well how difficult it is to maintain good habits in the rush of a filming, or in the production of an event, or in any medium you act. We forget to eat, drink water and at the end of the day, we often want a bed and not a gym.
But it is necessary to take care of our bodies today, as this will also bring a healthy mind, reduce stress and anxiety levels and bring us to a more peaceful old age.
I don't know if you know, but one of the results of this pandemic is being a considerable increase in episodes and even cardiac deaths in apparently healthy people.
These are football, rugby, basketball and other sports players having cardiac arrest in the middle of matches. Young people, with constant medical follow-up.
In Minas Gerais a news anchor had a sudden illness and on the way to the hospital he had five episodes of cardiac arrest, thankfully he is recovering from the scare, but others were not so lucky and died, too young.
And do you know why this is happening? The medical consensus is that this virus has brought such high levels of anxiety, due to fear and isolation, that together with the inflammations of our body acquired by bad habits and other sources of oxidation, are resulting in these sad losses.
That's why we decided to speak about our hearts and how insurance can be a source of reassurance for you, your loved ones and employees.
How does insurance sees your heart?
There are products and coverages that look at your health and try to give you financial aid in case something happens.
The first example that comes to mind for everyone is Life Insurance, both for the coverage offered in the form of protection for your loved ones in the event of death, and for the emergence of serious illnesses, in which you as the main supplier, can no longer carry out the usual work activities.
In our experience as brokers, we have already seen some episodes of claims being triggered due to heart disease in both audiovisual and events.
In these products, the coverage that would be activated would be the Non Appearance for people essential for the evolution of the job, that is, without this person present, whether filming or directing, producing, everything stops.
And something very interesting about this coverage is that the heart attack or any of the known cardiovascular events are not only applicable to the producer, actor or director, but also to their first degree family members.
This is due to the fact that no one is able to function if their mother, father, partner or children are sick or have died. It is essential to remember that, if the disease is known, there will be no coverage during the term, as the concept of insurance for movies and events is that an unexpected and unknown situation is covered, okay?
Coverage for Personal Accidents in most general conditions existing in Brazil specify that cardiac arrest is not considered an accident. It may seem obvious, but there is confusion because medicine calls some heart diseases a accident.
However, the accident covered in the PA is of the external type. A car crash, a fall, an electric shock, and not an illness that manifested itself through cardiac arrest. So, if someone suffers a cardiac arrest under simple PA insurance, there will be no coverage for medical expenses, nor for death.
It is important to note that in the case of SINDCINE PA coverage, in the Death Any Cause coverage, the coverage for death from cardiac arrest would be a valid coverage. So know what you're buying for yourself and your crew on a shoot or an event.
There are things that cannot be prevented, but it is entirely possible to foresee and take action to protect what is important.
But there are other ways to use insurance to prevent, such as Health Insurance, or even contracting a Health Plan.
The tranquility of those who know that if the disease appears, you or your family will be cared for by good doctors in good hospitals is something that brings us comfort.
Having access to cardiologists, nutritionists, endocrinologists and even psychologists can make all the difference in your role in preventing future heart disease.
For this reason, we at Prospecto always look for the best companies to offer you quality service, both as a prevention and in case of the manifestation of the disease.
Take care of your heart, talk to Prospecto, schedule a consultation without commitment.
We look forward to seeing you for our next #MondayBlog.
Have a great week, lovers!
Prospecto Seguros
LEGAL NOTICE
This post was created through research on sites, under the "Fair Use" copyright law, as the research materials fall under public knowledge.
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