If you suffer from Osteoporosis it’s important that you disclose it to your travel insurance company before you go on holiday. If you don’t disclose your Pneumonia on your application for travel insurance it could invalidate a claim leaving you with a large bill for medical expenses and maybe repatriation costs too which, if a private air ambulance is required, could be tens of thousands pounds.
What Is Osteoporosis?
Osteoporosis is a progressive bone disease that is characterised by a decrease in bone mass and density and that leads to an increased risk of fracture. In osteoporosis, the bone mineral density (BMD) is reduced, bone microarchitecture deteriorates, and the amount and variety of proteins in bone are altered.
Osteoporosis is defined by the World Health Organization as a bone mineral density of 2.5 standard deviations or more below the mean peak bone mass (average of young, healthy adults) as measured by dual-energy X-ray absorptiometry; the term "established osteoporosis" includes the presence of a fragility fracture. The disease may be classified as primary type 1, primary type 2, or secondary.
Types Of Osteoporosis
The form of osteoporosis most common in women after menopause is referred to as primary type 1 or postmenopausal osteoporosis. Primary type 2 osteoporosis or senile osteoporosis occurs after age 75 and is seen in both females and males at a ratio of 2:1. Secondary osteoporosis may arise at any age and affect men and women equally. This form results from chronic predisposing medical problems or disease, or prolonged use of medications such as glucocorticoids, when the disease is called steroid- or glucocorticoid-induced osteoporosis.
Osteoporosis And Lifestyle Change
The risk of osteoporosis fractures can be reduced with lifestyle changes and in those with previous osteoporosis related fractures medications. Lifestyle change includes diet, exercise, and preventing falls. The utility of calcium and vitamin D is questionable in most. Bisphosphonates are useful in those with previous fractures from osteoporosis but are of minimal benefit in those who have osteoporosis but no previous fractures. Osteoporosis is a component of the frailty syndrome.
Travel Insurance For Osteoporosis Need Not Be Expensive If You Shop Around
Travel insurance for Osteoporosis need not be expensive if you shop around and find a specialist that can select the right underwriter for your particular circumstances. For example the price of your travel insurance will be influenced by your specific symptoms of the disease, your age and the destination and the length of your stay.