Learn about Insomnia and Insurance

Female: Lying awake at night, staring at the ceiling, trying hard to relax and get back to sleep but you just can’t.

Well, you’re not the only one counting sheep. Millions of people suffer from insomnia. In fact, 95% of us experience it at sometime in our lives.

Whether it’s transient insomnia, the sleepless night before a big exam or short time insomnia, maybe you’re getting used to living in a new house and take a few weeks to adjust, or chronic insomnia, you’ve been without uninterrupted sleep for years.

Dr. Adrian Williams: It’s very appropriate to manage insomnia first of all with a tension to good and bad sleep habits. The phrase used is sleep hygiene then people think these are too simple to be important but they are not that very important. For example, exercise at the right time late afternoon. No caffeine in the afternoon. It has a very long half life. And sleep in environment that is suitable, dark room, quiet, and a bed that is appropriate and getting up with the same time each day.

Female: Chronic insomnia sufferers would do well to get help. Insomnia impacts on all areas of ones life. You’ll find yourself getting irritable and angry, becoming less able to problem solve efficiently. And perhaps begin to suffer from depression and anxiety.

You may have to go back to sleep school to learn what you thought was second night show.

Jeff Parker: Sleep problems are in fact that I wake up in the middle of the night. And then not being able to go back to sleep for a good couple of hours or not to. It’s hard, sometimes it might be—and not going to back to sleep totally.

Female: Insomniacs need to avoid stimulants like coffee and alcohol and to create a bedtime routine. The bed should be used solely for sleeping, not watching TV or reading. Your room should be dark and cool. Meditation before bed time and a herbal drink like lady’s mantle will allow you off to sleep.

Insomnia is curable in most cases, rest assured.

Vacationing is part of a healthy existence most people would agree but when a holiday turns into a nightmare due to illness, accident or theft, then a holiday provides most stress than the stress you left behind. It’s great to unwind and get away from it all but a little preparedness goes a long way traveling. A travel insurance is a must.

Just be sure to ask a few key questions such as, “Are your children automatically covered? Does it include a medical evacuation benefit? And are you only paying for the exact amount of days you need?” Take the time to read the find print and shop around.

John McFall: People go in and get their insurance policy—and many people don’t ask what the exclusives are and they put the policy as, and there are not adequately explained.

Female: Following 9/11, insurance companies pulled out of war and terrorism coverage and droves so if you are off to some far distant land but are worried about its political climate and security measures, make sure the cover you choose includes terrorism. It’s a niche market for insurers now so hunt around.

Nobody likes to think that anything will go wrong when they’re holidaying in paradise but just in case you jump off the yacht and land on the wrong angle, you want to be sure there's a comfy hospital bed with your name on it.

Ask your local yoga practitioner which postures induce sleep. Yoga is great for relaxation.