Why critical illness cover may be a good option if you regularly suffer from food poisoning

Critical illness cover is a long-term insurance policy where you will receive a one-off, lump sum payment if you are diagnosed with a serious illness.

Why should I take out a critical illness policy?

If you regularly suffer from food poisoning, you should strongly consider taking out a critical illness insurance policy. While the symptoms of food poisoning often resolve themselves without treatment, the illness can have a serious effect on your health. In rare cases, certain strains of Escherichia coli (E. coli), the bacteria that cause food poisoning, can trigger haemolytic uraemic syndrome – a risk factor for kidney failure.critical illness

If you happen to be unlucky enough to suffer haemolytic uraemic syndrome after a bout of food poisoning, a critical illness insurance policy will provide you with the money you need to pay for your most pressing financial expenses.

Do I need critical illness insurance?

If you have financial commitments, critical illness insurance will enable you to rest safe in the knowledge that you will be able to clear your outstanding debts. If you have significant savings to fall back on, or you would be able to receive financial support from your partner in the event of a serious illness, critical illness insurance may fail to provide you with good value for money.

What should I look for in a critical illness insurance policy?

If you believe you may benefit from critical illness insurance, you must research your options. Some critical illness insurance policies will only cover you for a limited number of medical conditions, so you must read the terms and conditions of your shortlisted policies to determine whether they will cover you for the complications of food poisoning.

Once you have created a shortlist of policies, you should not simply choose the cheapest available option. Critical illness cover with reviewable premiums may appear affordable at first glance, but your premiums will increase over time. If you are worried about the cost of your premiums, you should choose insurance with guaranteed premiums, which will remain the same throughout the course of your policy.

How you can avoid food poisoning by measuring the temperature of your food

Food poisoning is an illness caused by eating food contaminated by pathogenic bacteria, viruses or parasites. The Food Standards Agency estimates that around one million people in the United Kingdom get food poisoning every year. Vomiting, fever and aches are the most usual symptoms. In the majority of cases the illness is mild although annually, approximately five hundred deaths are attributed to food poisoning.

One way to minimise the risk of food poisoning is to keep your stored food cold and your cooked food hot. As a general rule, harmful organisms grow at a much slower pace when cold and are killed at high temperatures. Monitoring and adjusting the temperature of your food is therefore one way to minimise the risk of food contamination. The following guidelines will help you to keep your food safe.Food Temperature

Maintain a safe food temperature by storing your food in an adequately chilled fridge and only take it out when needed. To make sure the fridge is at the correct temperature of between 0 and 5 degrees Centigrade (deg C) check it routinely with a fridge thermometer. Your chilled food can be safely kept above 8 deg C for a maximum of four hours and on one occasion only. Afterwards you must throw it away or keep it chilled until it is consumed.

When cooking and reheating food make sure the food is fully cooked. A good indication is when steam rises from the middle of the food. If in doubt, check the food temperature with a probe thermometer which should be no less than 75 deg C at the core. Hot foods must be stored above 63 deg C but can be safely kept below this temperature for a maximum of two hours. After two hours you must reheat it to above 63 deg C or chill it.

Remember to check with a thermometer if you are not sure. It is better to be safe than sorry.