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Physically Harmful, Risk Premium Rated — or Not?
[By Dr. David Edward Marcinko MBA CMP™]
[Editor-in-Chief]
Q: As both a doctor and health insurance agent, back in the day, many patients asked me about the health effects of caffeine consumption; especially malpractice attorneys during my expert witness depositions.
Other clients often wondered about how consumption affected their health insurance premium quotes.
A-1: Here are some reported effects of caffeine. The following effects are commonly attributed to over-use of caffeine. While reading them, bear in mind that what is true for one person may not be true for someone else:
1. Stimulates your heart, respiratory system, and central nervous system
2. Makes your blood more `sludgy’ by raising the level of fatty acids in the blood
3. Causes messages to be passed along your nervous system more quickly
4. Stimulates blood circulation
5. Raises blood pressure
6. Causes your stomach to produce more acid
7. Irritates the stomach lining
8. Makes digestion less effective by relaxing the muscles of your intestinal system
9. Its diuretic effect caused increased urination – although you’d have to drink about 8 coups of coffee in one sitting for this to occur
And so, here is an additional sampling of information about the health effects of caffeine.
A-2: And, caffeine has no affects on health insurance premium rates; smoking does!
Assessment
Source: www.freeinsurancequotes.net
Conclusion
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Filed under: Health Insurance, iMBA, Inc., Insurance Matters | Tagged: caffeine, Dr. David Marcinko, www.freeinsurancequotes.net | 8 Comments »
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