Nowadays, adults often stay up late, eating irregularly and fatty liver is becoming more and more common.
Today I want to talk to you about fatty liver.
The picture below shows an organ of the digestive system, which is our liver.
Then a feature of fatty liver can be seen from such a small piece.
There are many light-colored bubbles in it, large and small bubbles.
What is this thing?
We can visually think that he is a fat granule.
In other words, to explain what fatty liver is means that our liver has accumulated a lot of fat.
Then we thought of this place, according to its net lubrication of oil droplets (fat).
If divided, there are three types of fatty liver: mild, moderate and severe.
Then we can imagine, if because of these, oil droplets (fat) and our fat cells.
It's actually incompatible. He always has a bottle of oil.
There is a cell, and they can't combine.
Oil (fat) can't eat my cells, and my cells will eat oil (fat).
Inside, that place is very crowded.
This will make my liver bigger. People with fatty liver often have normal or large normal liver.
This manifestation of fatty liver is usually nonspecific.
There may be some dull pain and swelling pain.
Then there will be some gastrointestinal manifestations, that is, some abdominal distension, nausea and indigestion.
Second, the evolution path of fatty liver
We actually pointed out some of the most common liver diseases and their evolution (pathways).
When we look from the left to the right, we actually rank them according to their severity.
Fatty liver will actually regress (worsen) if it is not well controlled.
One of the reasons for obesity is related to inflammation. Then if he can't control it well, hepatitis will get worse. If it is not good, he will be fibrotic. Why, after all those cells are squeezed, they have no normal function and all become scars. This is called fibrosis.
We can see that, if you look carefully, there are many strips on it, that is, the kind of fibrotic things.
If fibrosis continues, the liver will harden.
Because fibers are lifeless.
His elasticity is also relatively small, and then he tends to get together over time, and then his whole volume will become smaller.
Therefore, if cirrhosis is common, his liver will be normal or smaller than normal. Then a considerable proportion of people will go to liver cancer after a certain number of years of cirrhosis.
There will be some cell mutations in the liver, which will become liver cancer. This is a long-term evolutionary process. So, you said fatty liver is very common.
It's not a particularly serious problem, but if we don't pay attention to him, he will still have certain risks.
Third, how to diagnose/detect fatty liver
Many friends, fatty liver is discovered by physical examination, and the simplest thing is to do ultrasound.
Do B-ultrasound examination, you can clearly see an echo of the whole liver. He can see if my liver is getting bigger.
As I said just now, people with fatty liver may have bigger liver. What is it about this time?
When his liver is full of fat particles. Its density will be lower than my normal liver cells, so we can see these particles in the picture by ultrasound.
This is what you can see. After reading it, you can do a liver test or a blood test. Then he tested for fatty liver. He tested his liver function.
It seems that normal liver function is normal, but that is not the basis for diagnosis.
There are many reasons for abnormal liver function, but one is to do CT examination, because CT examination can see the liver clearly.
But in this case, the cost performance is not too high, because we can make a diagnosis by simple ultrasound.
When we diagnose fatty liver, there are alcoholic fatty liver and nonalcoholic fatty liver.
These are two major types of fatty liver, which can be used to diagnose alcoholic fatty liver and see if there is any serious drinking hobby.
There must be. Without it, it is impossible to fight alcoholic fatty liver.
Second: Of course, if alcoholic fatty liver is described by ultrasound, it will be more serious than nonalcoholic fatty liver.
So whether it is alcoholic fatty liver, the impact on underwriting is obvious, which is more critical.
Fourth, fatty liver seems harmless?
He is actually influential, especially the influence of some alcoholic fatty liver on the body is even more serious. For example, alcohol itself has an impact. Alcohol is the culprit.
It leads to fatty liver, so obviously it will lead to various diseases in the body.
It is also irreversible damage to the liver, which is its own influence. Secondly, because it produces fatty liver, it is related to alcohol.
When eating some high-calorie food and fat is too high, he will obviously induce some other complications. They are actually a group of good friends.
A related disease is that grasshoppers are in the same boat, so it will cause some other complications.
Third, that is to say, he didn't cause complications, but he got the disease.
A person who already has diabetes, if he still has alcoholic fatty liver, then his diabetes will be more difficult to control.
There are several reasons for this. On the one hand, various diseases work together, and the metabolism of the body itself is caused by liver problems and metabolic problems. Secondly, I have to take medicine to control everything else.
So this is not a vicious circle? Right, so there are some constraints between them because of these serious consequences. An alcoholic fatty liver patient, if we buy insurance, will be greatly affected.
At present, most insurance products and health insurance products cannot be underwritten.
Five, fatty liver critical illness insurance
The results of underwriting have little effect on buying insurance, and mild fatty liver is basically unimpeded.
If it is serious, you can refer to this table to buy it. As long as the liver function is 65438+ 0.5 times of our normal value, we can configure critical illness insurance.
If the liver function is more than 1.5 times, it depends on the specific ultrasound report, whether there are these descriptions: hemangioma or cyst, fibrosis, abnormal portal vein, suspicious or Ca, and malignant.
And AFP, GGT and liver surgery. If not, if the liver function is twice the normal value, there is still a chance to buy insurance products. You can add me to WeChat for specific products.
Six, fatty liver medical insurance underwriting results
The health information of medical insurance is stricter, and other factors such as weight, blood lipid and living habits are usually comprehensively evaluated.
If blood sugar, blood pressure, weight and liver function are normal, it can generally be underwritten normally;
However, if the liver function is abnormal, it will usually be excluded by medical insurance or directly refused.
Write it at the end
It is also reminded that each insured person's physical condition is different, and the underwriting process and underwriting time are different. Just showing and quoting the underwriting results does not represent the final underwriting conclusion.
Because the underwriting standards of different insurance companies are different, and influenced by factors such as premium demand and product marketing cycle, we can try more and finally choose a product with good underwriting conclusion and appropriate guarantee responsibility.
Physical examination found fatty liver. Does it matter to buy insurance? (underwriting strategy for fatty liver)