Medical errors - general informations

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Medical errors can be either : diagnostic, therapeutic, technical, and organizational. Diagnostic error is either non-existent on the wrong determination of the disease ( positive error ), or more often unresolved actual patient's illness, which leads to the deterioration of his health. From a therapeutic mistake we have to do in relation to the selection of the wrong method or faulty treatment, improperly performed surgery. The error can also be therapeutic to take surgery despite medical contraindications.

Error as to the outcome, which forecasts the patient's condition may not adversely affect the healing process. However, if combined with the diagnostic error can cause serious and irreversible consequences in terms of the deterioration of the patient. Category of housing issues beyond commonly functioning category of medical errors are all kinds of negligence and inept . Sometimes, however, the courts treat errors and omissions in a holistic manner.

Life insurances in the nineteenth and twentieth centuries

The dynamic development of the life insurance came in the nineteenth century and applied not only to Europe and the US, but also Japan.  Initially developed insurance based on reciprocity, later in the forms of mutual and joint-stock companies were created. 

The development of the life insurance was halted during World War I and after it ended, it Caused a progressive inflation, Causing the Devaluation of benefits paid. Another crisis of life insurance you survivors during World War II. After the war there was a further dynamic development of life insurance, Which Influenced mana, and a very close Cooperation with insurance companies and other financial Institutions was made, it was a breaking point and a trigger to the modern insurance policies.

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The first life insurance in England

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The first known documented life insurance contract was concluded on June 18, 1583, with the Office of Insurance, based in London, and the insured was a citizen of London, William Gybbons. The agreement provides for the sum insured in the amount of 382 pounds, 6 shillings and 8 pence, to be paid in case of death of the insured within 12 months from the contract.

In the sixteenth century in England, there were concluded life insurances associated with the loans, and the amount of insurance was established in the amount of the debt. Further development of life insurance, which occurred at the turn of the seventeenth and eighteenth centuries, was highly due to the wider use of Actuarial founded the science of probability theory , also developed the first signs of mortality.

In 1699 in England, the first commercial insurance Society of Assurances for Widows and Orphans was created, which dealt exclusively with insurance in case of death. In the eighteenth century a new insurance company opened in England, but also in the USA and France. 

What amount life insurance to choose?

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When you decide to purchase life insurance we have to choose the appropriate amount of the sum insured, so that in the event of death, it will secure the necessary needs of the family. Many people insured in the event of death, will have a sum around £50-100 000, but for many families this amount is insufficient. 

When determining this amount, we have to consider our current financial needs, multiply them by the next 12 months and a minimum of 10 years, and we cannot forget that these needs may change. Most life insurance protection can be likened to a car liability insurance, if there is an accident the insurer will return the money in the form of compensation to you and others injured in an accident but if an accident does not happen, fees are not refunded and the protection risks in ordinary life insurance is the same. 

Let’s say you choose term insurance eg. For 10 years, and during this time nothing wrong will happen, the policy is finished and there is no premium returns, but with the insurance with investment elements you can count on the return of parts of the paid premiums, but this can highly depend on the situation and times. 

Advisors for life insurance

Many of you reading these guidelines reflect on the sense of buying insurance, sometimes decide to buy something cheap, the cheapest on the market to satisfy your own conscience, it is not the best solution however, a rightful protection of and the overall sum of the insurance is the right way of thinking. 

Professional insurance consultant should start a conversation by providing a financial analysis of your family, determine all your needs and look for solutions for the future, it's like a tailor, great tailors will saw up accurate dimensions, same with doctors, who will only prescribe you a drug according to your medical history. The Insurance is a very broad topic, many people feel the need to be insured but do not know exactly what the insurance demands.

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Selection of health insurance

When choosing the right insurance it is good to carefully analyze all available offers from different insurance companies, which there are plenty of on the market. The analysis should be carried out in accordance with our individual needs, that are strongly related to our occupational, financial and family specifics. 

Health is one of the most important issues and it should be one of the main insurance reasons. As you know, sometimes we simply can't foresee an illness an accident or personal injury, and when these incidents occur without securing ourselves through an insurance, it may complicate our professional life or our financial security.

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How long we have time for lodging an application for compensation?

In order to receive compensation, you should consider: what is the period of time for lodging an application of the claim against the insurance company of perpetrator party.

Generally they are three years from the date of an accident nevertheless  there are two exceptions to this rule. This period can be extended, if an injured person is a child who has not yet reached the age of majority. The second case concerns the mentally disabled. 

They have three years for lodging an application, but this time is counted only after obtaining the full consciousness, so this period is automatically extended.