If the underlying mental illness is known

Mental illness: If the head loses its balanceIn addition to the physical health can likewise also the mental state of a person be negatively affected. If a person feels a general mental and spiritual well-being, his psyche is characterized by a healthy balance. One speaks of mental health. A healthy psyche contributes significantly to a person's performance and helps to be able to successfully cope with strain and stress. However, if the inner life gets out of its natural balance and ames a negative state, this has far-reaching effects on the life and quality of life of the person concerned.

If a person's mental state is imbalanced over a long period of time, illnesses such as depression or anxiety disorders can result. Mental illness. Term life insurance?For the conclusion of a term life insurance mental illness represents a large complication. Just think of the higher risk of suicide among people suffering from depression. Insurers therefore often reject applications from people who have a pre-existing condition. Nevertheless, the conclusion of a term life insurance is possible even with an existing mental illness. In one of our practical reports we describe a concrete. Describe our approach as an insurance broker in arranging insurance coverage.

Classification of mental illnesses

A mental illness or strain can manifest itself in a wide variety of forms and symptom patterns. Affected or. impaired are here above all the Perception, thinking and feeling of a person. In addition social ties or the self-image be distorted. A classification based on symptoms is made according to the International Classification of Diseases (ICD-10) of the World Health Organization (WHO) into the following diagnostic groups:

Diagnosis group Examples of mental disorders F00-F09 Organic, including symptomatic mental disorders Alzheimer's dementia, Vascular dementia F10-F19 Mental and behavioral disorders due to psychotropic substances Alcohol, opioid, or cocaine dependence F20-F29 Schizophrenia, schizotypal, and delusional disorders Schizophrenia, schizoaffective disorder, Delusional disorder F30-F39 Affective disorders Depression, bipolar affective disorder, Mania F40-F48 Neurotic, stress, and somatoform disorders Phobic disorder, anxiety disorder, obsessive-compulsive disorder, somatoform disorder F50-F59 Behavioral disorders with physical disturbances and factors Eating disorders, sleep disorders F60-F69 Personality and conduct disorders Borderline, paranoid, or dissocial personality disorder F70-F79 Intelligence disorder Mild to severe intelligence deficiency F80-F89 Developmental disorders Autism, Asperger's syndrome, dyslexia F90-F98 Behavioral and emotional disorders with onset in childhood and adolescence ADHD, social behavior disorders, tic disorders F99-F99 Unspecified mental disorders –

Causes of mental illness

The overview shows how numerous and varied mental illnesses are. Expression and kind say however nothing over the Causes of the disease from. These differ individually for each mentally ill person. Affected individuals often exhibit a combination of the following in their life history Risk and stress factors on:

– Trauma, stressful life events – chronic stress, overload – defective cognitive processes – family and social problems – biological causes (for example, neurotransmitter deficiency) – structural and functional changes in the brain – genetic causes (for example, gene mutation)

Mental illnesses run through all age groups and often occur together

Suffer annually ca. 33% of the population suffer from at least one mental illness. Among them are both children. Adolescents as well as adults of any age. On average, women are affected slightly more often than men, especially in anxiety disorders, depression, and eating disorders. Men, on the other hand, are significantly more likely to suffer from alcohol or. Substance abuse disorders than women.

Many mental illnesses are characterized by high comorbidity which means that these disorders rarely occur alone, but often in conjunction with other disorders. For example, anxiety disorder often occurs together with depression or an addictive disorder. More than one-third of those with mental illness have been diagnosed with multiple mental illnesses.

If the underlying mental illness is known

12-month prevalence of mental illness (source: Robert Koch Institute, Berlin)

The 3 most common mental illnesses in detail

As the data of the Robert Koch Institute show Anxiety disorders, alcohol disorders, and unipolar depression the three most common mental illnesses. The most common mental disorder is characterized by excessive. Disproportionate feeling of fear without the presence of an objective reason for this fear. Thus, affected individuals show extreme physical and psychological fear reactions to certain stimuli or situations, far exceeding the extent of natural and protective fear. Common forms of this disorder are:

Panic DisorderPanic attacks without an objective external cause phobias: Anxiety caused by specific non-threatening triggers (spiders, heights, enclosed spaces, social contact) Generalized anxiety disorderChronic, heightened anxiety that is not limited to specific objects or situations

Alcohol dependence

Alcohol is an accepted and widespread stimulant in our society, and has become an integral part of social occasions in particular. While occasional drinking of alcoholic beverages does not pose a major risk, a Excessive consumption severely hazardous to health. The transition from increased consumption to alcohol abuse to dependence is often gradual, so that many of those affected initially ignore the addiction problem and often only seek counseling or therapy after a long time and at the urging of others.


The symptom triad of depression is composed of Dejection, listlessness and loss of interest together and thus exceed a "normal sad mood". Affected persons are not able to cope with their everyday life independently during a depressive phase and often do not see any sense of life anymore. About 15% of sufferers take their own lives. About half commit at least one suicide attempt.

Various models are used to explain the causes of depression, pointing to both cognitive causes (for example, distortions in perception and information processing) or biological influences (for example, disturbed norepinephrine and serotonin metabolism in the brain).

Dejection, lack of drive, loss of interest: These 3 symptoms often indicate a depressive phase or. A depression.

Diagnosis and therapy of mental illnesses

In order to diagnose a mental illness, physical illnesses must first be ruled out by a doctor. Subsequently, the patient can be treated by an experienced specialist or psychotherapist the conversation should be visited to look at the overall picture of the symptoms and the development of the disease. With the additional use of psychological tests, such as special questionnaires, a clinical diagnosis can finally be made.

If the underlying mental illness is known, an appropriate intervention procedure can be worked on. Depending on the type of illness, the following are suitable Different therapeutic approaches. Behavioral therapy, psychoanalysis, and systemic therapy, each using different theories and methods of intervention, have been confirmed to be effective.

In addition to psychotherapeutic treatment, for many disorders there is also the possibility of a pharmacological treatment. For example, many symptoms of anxiety or depression can be successfully treated with appropriate psychotropic drugs. Often a combination of psychotherapy and medication is applied, which is usually superior to the single methods.

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