Page 86 - Life Insurance underwriting Ebook IC 22

CHAPTER –9

DIABETES MELLITUS

1. Discuss diabetes mellitus and types of diabetes.

1.1 Diabetes mellitus

Diabetes mellitus is the name given to a group of conditions in which the
quantity of glucose (sugar) in the blood is elevated (Hyperglycemia)

In diabetes either there is not enough insulin produced by the pancreas or the
body stops responding to insulin leading to chronic elevation of blood sugar
levels. This in turn results in abnormally high blood glucose levels.

1.2 Types of Diabetes

There are mainly three types of diabetes:

 Type I diabetes (previously known as insulin-dependent diabetes)
 Type 2 Diabetes (previously known as non-insulin dependent diabetes)

Risk factors for Type 2 Diabetes include
✓Age
✓Body Mass Index (BIM)
✓ Central obesity
✓Sedentary lifestyle
✓ Family history
✓ Insulin Resistant States
✓ Ethnicity (e.g. Indian)

 Gestational diabetes mellitus (GDM) - Gestational DM is first diagnosed during
pregnancy. Between 5-8% of pregnant women developed. Risk factors for GDNI
include a family history of diabetes.

Pre-clinical DM, Borderline DMI, Impaired Fasting, Glucose (IFG),
impaired Glucose Tolerance (IGT)

Impaired Fasting Glucose - Such individuals have tasting glucose above upper limit of
normal but below the threshold for diabetes mellitus.

Impaired glucose tolerance (IGT) - individuals with impaired glucose tolerance has an
abnormal response to the glucose tolerance test.
The Metabolic Syndrome (Syndrome X)

This term is applied to individual who have:

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