VITALITY.CO.UK

MASTERCLASS – NEUROLOGICAL CONDITIONS

For adviser use

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• Neurological conditions

• Dementia and Alzheimer’s disease

• Parkinson’s disease

• VitalityLife’s extensive neurological cover

AGENDA

NEUROLOGICAL CONDITIONS

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• Neurological conditions result from damage to the brain, spinal column or nerves, caused by illness or injury

• Conditions can be life-long and people can experience onset at any time in their life

• Some conditions are life-threatening and most affect a person’s quality of life

• Financial strain on people who care for a family member with a debilitating neurological condition

Source: http://www.neural.org.uk/living-with-a-neurological-condition/what-is-a-neurological-condition

WHAT ARE

NEUROLOGICAL

CONDITIONS?

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NO!• There are more than 40,000 people below age 65 with dementia in the UK• Around 4% of people with Alzheimer’s are below age 65• Around 15% of Parkinson’s cases treated in hospitals are below age 65

Source: http://www.alzheimers.org.uk/site/scripts/documents_info.php?documentID=164

........so people wouldn’t be covered under our Serious Illness Cover?AREN’T THOSE

ALL OLD AGE

CONDITIONS?

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• Doctors are developing a blood test that provides early diagnosis of Alzheimer’s

• The test identifies certain markers in the blood

• An app is being developed which can diagnose Parkinson’s

• The app measures an individual’s movement and speech

• These advances make it easier to get diagnosed and therefore we can expect to see more claims for these conditions at younger ages

Source: http://www.bbc.co.uk/news/science-environment-29122853 http://www.nydailynews.com/life-style/health/scientists-closer-blood-test-alzheimer-article-1.1860147

IMPACT OF

MEDICAL AND

TECHNOLOGICAL

ADVANCES

DEMENTIA AND ALZHEIMER’S DISEASE

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• The word dementia describes a set of symptoms that may include memory loss and difficulties with thinking, problem-solving or language

• Dementia is progressive, so symptoms get worse over time

• Dementia is caused when the brain is damaged by diseases, such as Alzheimer’s disease or a series of strokes.

Source: http://www.alzheimerbc.org/Alzheimer-s-Disease-and-Dementia.aspxhttp://www.alzheimers.org.uk/site/scripts/documents.php?categoryID=200360http://cargocollective.com/ritamaldonadobranco/Visualising-dementia

WHAT IS

DEMENTIA?

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• A progressive physical disease affecting the brain

• Protein 'plaques' and 'tangles' develop in the structure of the brain

• This leads to the death of brain cells

• People with Alzheimer’s also have a shortage of chemicals in the brain

• These chemicals are involved with the transmission of messages within the brain

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Source: http://studentosteopathicmedicine.tumblr.com/post/21720073214/alzheimers-diseasehttp://www.alzheimers.org.uk/site/scripts/documents_info.php?documentID=100

WHAT IS

ALZHEIMER’S

DISEASE?

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• By 2015 around 850,000 will be living with dementia in the UK

• There will be 1 million people with dementia in the UK by 2025

• One in six people over 80 have dementia in the UK

• There are 670,000 carers of people suffering from dementia in the UK

Source: http://www.alzheimers.org.uk/site/scripts/documents_info.php?documentID=341

DEMOGRAPHIC

CHANGES

11Source: http://www.nhs.uk/conditions/dementia-guide/pages/symptoms-of-dementia.aspx

Memory lossMemory loss

Problems with communicationProblems with communication

Weight lossWeight loss

Loss of mobilityLoss of mobility

Problems with continence

Problems with continence

Unusual behaviourUnusual

behaviour

It is estimated that a third of people with dementia at any one time will be in the

later stages of the disease

Increased dependence on care

LATER STAGES

OF DEMENTIA

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• The total cost to the UK for dementia per year is £26.3bn

• This is roughly £32,250 per person with dementia

• Only a third of this comes from the NHS, remainder is known as the ‘dementia tax’

• The total number of unpaid hours of care provided to people with dementia in UK is 1.34 billion

Source: http://www.alzheimers.org.uk/dementiauk

THE COSTS

ASSOCIATED

WITH DEMENTIA

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Alzheimer’s disease resulting in permanent symptoms

A definite diagnosis of Alzheimer’s disease by a consultant neurologist, psychiatrist or geriatrician.

There must be permanent clinical loss of the ability to do all of the following:

remember;reason; andperceive, understand, express and

give effect to ideas.

For the above definition, the following are not covered:

Other types of dementia.

ABI definition - Dec 2014DEFINITION OF

ALZHEIMER’S

DISEASE

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Severity Level Definition Payout

AAlzheimer's disease causing the permanent and irreversible inability to

perform 4 out of 6 Functional Activity Tests 100%

BAlzheimer's disease causing the permanent and irreversible inability to

perform 3 out of 6 Functional Activity Tests 75%

CAlzheimer's disease causing the permanent and irreversible inability to

perform 2 out of 6 Functional Activity Tests 50%

D Alzheimer's disease resulting in permanent symptoms

25% (can be boosted to

100%)

F Alzheimer's disease 10%

OUR DEFINITION

OF ALZHEIMER’S

DISEASE

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Definition of Alzheimer’s disease

ProviderDoesn't require permanent

symptoms Covers beyond age 65 Payout Notes

VitalityLife 10%/25%/50%/75%/100%Can increase 25% to 100% with SIC

Booster

Aegon 100%

Ageas 100%

Aviva 100%

Friends Life 100%

Legal & General 100%

LV= 100% Pays 150% if diagnosis before 45

Old Mutual 100%

Scottish Provident 100%

Zurich Assurance 100%

COMPETITOR

COMPARISON

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• Age– After the age of 65, the risk of developing Alzheimer’s disease doubles approximately every five years.

• Gender– Women are more likely to develop Alzheimer’s disease than men.

• Genetics– A number of genes have been identified that do not directly cause dementia, but are thought to affect a person's risk of developing the

disease.

• Medical history– Conditions that affect the heart, arteries or blood circulation and any history of head injuries can increase the risk of developing Alzheimer’s.

• Environmental and lifestyle factors– Poor diet, low exercise levels, smoking and alcohol all contribute to increasing the risk of developing Alzheimer’s.

RISK FACTORS

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• Diabetes increases the risk of dementia by 50%

• Obesity can lead to diabetes

• Evidence of a link between high blood pressure and dementia

• Obesity, excessive alcohol and a lack of exercise all lead to increases in blood pressure

• Vitality promotes healthy living

How Vitality could help reduce the risk of developing Alzheimer’s or dementiaTHE ROLE OF

VITALITY

PARKINSON’S DISEASE

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• Progressive condition affecting the brain

• Nerve cells in the brain die, so sufferers don’t have enough of the chemical dopamine

• Dopamine allows messages to be sent to the parts of the brain that co-ordinate movement

• There is currently no cure for Parkinson’s and it’s not known why people get the condition

• Parkinson's doesn't directly cause people to die, but symptoms do get worse over time

Source:http://www.parkinsons.org.uk/content/what-parkinsons

WHAT IS

PARKINSON’S

DISEASE?

20Source:http://www.parkinsons.org.uk/content/what-parkinsons

TremorTremor

RigidityRigidity

Slowness of movement

Slowness of movement

TirednessTiredness

PainPain

DepressionDepression

ConstipationConstipation

Symptoms appear when around 70% of nerve cells have died

Motor symptomsNon-motor symptomsSYMPTOMS OF

PARKINSON’S

DISEASE

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• No longer able to do tasks such as washing and dressing without help from someone else, perhaps a carer

• Drugs may be less effective at managing symptoms

• Need extra support to carry out day-to-day tasks

• Eventually, someone suffering from advanced Parkinson’s disease may need to move into a care home

Source: http://www.healthline.com/health/parkinsons/stages-of-parkinsons

When symptoms are more complex and have a greater impact on day-to-day life

Stage 1 Disease only affects one side of body, mild

symptoms

Stage 1 Disease only affects one side of body, mild

symptoms

Stage 2 Disease affects both sides of body

Stage 2 Disease affects both sides of body

Stage 3Symptoms more pronounced, don’t need

assistance

Stage 3Symptoms more pronounced, don’t need

assistance

Stage 4:Severe disabling symptoms, need assistance

Stage 4:Severe disabling symptoms, need assistance

Stage 5: Wheelchair-bound or bedridden

Stage 5: Wheelchair-bound or bedridden

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yea

rsADVANCED

PARKINSON’S

DISEASE

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• Every hour someone in the UK is told they have Parkinson’s

• 1 person in every 500 has Parkinson’s

• Equivalent to 127,000 people in the UK

• Expect around 162,000 sufferers by 2020

• Parkinson's is most common in people aged over 50

• Males are 50% more likely to develop Parkinson’s than females

Source: http://www.parkinsons.org.uk/sites/default/files/parkinsonsprevalenceuk_0.pdf

Ages and genders of those in the UK with a primary diagnosis of Parkinson’s according to Finished Consultant Episodes (2009-10)

IMPACT OF

PARKINSON’S

DISEASE

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Parkinson’s disease [before age x]resulting in permanent symptoms

A definite diagnosis of Parkinson’s disease by a consultant neurologist.

There must be permanent clinical impairment of motor function with associated tremor and muscle rigidity.

For the above definition, the following are not covered:

Other Parkinsonian syndromes

ABI definition –Dec 2014DEFINITION OF

PARKINSON’S

DISEASE

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Severity Level Definition Payout

AParkinson's disease causing the permanent and irreversible inability to

perform 4 out of 6 Functional Activity Tests 100%

BParkinson's disease causing the permanent and irreversible inability to

perform 3 out of 6 Functional Activity Tests 75%

CParkinson's disease causing the permanent and irreversible inability to

perform 2 out of 6 Functional Activity Tests 50%

D Parkinson's disease resulting in permanent symptoms

25% (can be boosted to

100%)

F Parkinson's disease 10%

OUR DEFINITION

OF PARKINSON’S

DISEASE

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Definition of Parkinson’s disease

Provider

Doesn't require permanent symptoms Covers beyond age 65 Payout Notes

VitalityLife 10%/25%/50%/75%/

100%Can increase 25% to 100% with SIC

Booster

Aegon 100%

Ageas 100%

Aviva 100%

Friends Life 100%

Legal & General 100%

LV= 100% Pays 150% if diagnosis before 45

Old Mutual 100%

Scottish Provident 100%

Zurich Assurance 100%

COMPETITOR

COMPARISON

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• Age– Parkinson’s presents itself in the middle to late years of life. The risk continues to increase as age increases.

• Gender– Males are 50% more likely to get Parkinson’s than females.

• Family history– There is a small genetic link in developing Parkinson’s.

• Oestrogen levels– A reduction in oestrogen levels is thought to lead to increased risk of developing Parkinson’s.

• Agricultural work– Exposure to environmental toxins increases the risk of developing Parkinson’s.

• Vitamin B folate– Low levels of this vitamin are considered to increase the risk of developing Parkinson’s.

• Head trauma– There is a link between damage to the head, neck, upper spine and Parkinson’s disease.

Source: http://www.parkinsons.org/parkinsons-risk-factors.html

RISK FACTORS

VITALITYLIFE’S EXTENSIVE NEUROLOGICAL COVER

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• We cover 32 different neurological conditions at varying levels of severity

• The table shows a number of conditions not covered by our competitors

• For several conditions we pay out for less severe cases when our competitors wouldn’t

• We have a catch-all definition

Unique Condition Notes

Alzheimer's disease not requiring permanent symptoms

Any neurological diseaseinability to perform at least 2 out of 6 FATs

Coma not requiring permanent symptoms

Craniotomy  

Dementia not requiring permanent symptomsDrainage of brain abscess by craniotomy  

Encephalitis not requiring permanent symptomsFunctional surgery for movement disorders  

Gullian-Barre syndrome  

Loss of manual dexterity  

Motor neurone disease not requiring permanent symptoms

Parkinson's disease not requiring permanent symptoms

Surgery for drug resistant epilepsy  Surgical repair of depressed skull fracture  

Stereotactic brain surgery  

Traumatic head injury not requiring permanent symptoms

COVER FOR

NEUROLOGICAL

CONDITIONS