FAmily Health Assessment Essay Example | Topics and Well Written Essays - 750 words

FAmily Health Assessment - Essay Example She reports being a binge drinker, whereby she takes one bottles of beer a day. However, during the weekends she consumes more. This risky health behaviour predisposes her to liver and cardiovascular diseases (Chesla, 2010). Nutritionally, the mother reports periods of appetite loss and often forced to consume little quantity of food. The son is allergic to most protein foods including eggs and red meat. The father and the daughter report normal indexes in nutritional standards. The family members consume an average of six glasses of water each on a daily basis. On sleep and rest pattern, the father reports that he does not sleep well especially if there are some noise in the neighbourhood. The mother reports incidences of sleep disturbance, which she cannot know the cause. Despite being college students, the son and the daughter report adequate resting time especially off the learning hours. Sleep disturbance in the father and the mother could result to increment in stress level. On elimination pattern, the father reports difficulty in micturition and a higher urgency in micturition. The mother reports incidences of constipation that resolves spontaneously. The children, however reported normal incidences in elimination pattern. The urgency and dysuria in the father could result from infection of the urinary system and could lead to an altered self-esteem. Constipation in the mother could result from alteration in appetite thus preventing consumption of roughage. Both the mother and the father were advised to seek hospital-specialised interventions (Diehl, 2007). All the family members are active partakers of activity and exercise involvement. Both the son and a daughter have a gym membership of the college and the father and mother reports frequent cases of outdoor jogging and involvement in physical activity. No member of the family reported an unnatural exhaustion during the physical activity and exercise. In the

Insurance Case Study Coursework Example | Topics and Well Written Essays - 1000 words

Insurance Case Study - Coursework Example A further analysis in the case study reveals that Mr. Farid does not deny the answers he gave. He had stated he is the Manager and added that his work entailed inspection of construction sites and training of workers. With this information, the insurer still went ahead to insure him under non-manual work. A look at his medical health reveals a heart disorder which puts Mr. Farid at more risky state of leaving his employment. This analysis reflects on asymmetric information where full disclosure of the duties undertaken by Mr. Farid is not given. This led to adverse selection of Mr. Farid because the heart disorder deteriorated leading to employment forfeiture (Amy, 2007). The outdoor activities were the majority of tasks that Mr. Farid did. Prudent Insurance Inc. would not have given the income policy to Mr. Farid had the information about his activities been clearly outlined. Question 2 As an underwriter, I would not approve the claim from Mr. Farid. This is because the insurer shou ld have assessed the kind of work Mr. Farid undertook on a daily basis of which he forfeited to do. A risk assessment would reveal his work jeopardizes his health condition further let alone the construction inspectorate job. There was very high risk of Mr. Farid losing his job based on his health. Mr. Farid had explained in his response that he also did construction inspections exposing him to activities like climbing ladders, lifting small items as a demonstration etc. The insurer ought to have done an observation of the daily activities to assess the work before issuing the policy. The heart disorder predisposes Mr. Farid to loss of his employment or forfeiture due to the kind of work he undertook. In light of this, the insurer should have assessed the daily duties to determine at what rate the disorder would have deteriorated. This is not measurable but an estimate would have been made. His age should have been put in consideration with the health status in mind (Thummuluri, 201 0). Question 3 As an insurer, I would deny the claim. This is because the claim form clearly depicts the breach of the contract signed between the two parties. His work entailed office work and inspection of constructions and training. These kinds of duties would have delayed the health condition outburst. The claim clearly states lifting heavy items and further carrying these items. These are way off the inspection duties that entail a review of work done, work in progress, review of remaining work, budget analysis and further deduce necessary reports. His sentiments do not depict compliance with what his duties entails. Though he exaggerated the number of hours for each activity, this does not change my stand. He was not supposed to do these strenuous duties ab initio. Although his claim of loss of income is substantial, this is out of the context of disclosure of his work. Part II: Household items Insurance Question 1: Mr. Green’s earlier conviction would affect the underw riter decision by refuting or denying the policy. The acts of violence are not insured against in this kind of a policy. The policyholder stands at a risk of seizure of his goods or damage during the violent acts. A claim from the police department may necessitate auction of household goods if he cannot settle the damages inflicted in the violence. This insurance policy covers against loss of household items from fires, floods, or natural disasters. The violent acts predispose unforeseen loss to the Insurance Company. Full disclosure of