IS SHE OKAY? Cat Deeley of This Morning reveals she’s dealing with an ‘unstable’ husband: ‘Every night, he rummages around looking for something, muttering that it’s TERRIBLE’

Cat Deeley opened up about her husband Patrick Kielty’s current health woes on Monday’s episode of This Morning.

The presenter, 47, was speaking about shingles with Dr Sara Kayat and her co-host Ben Shephard, who revealed one in three adults will get shingles in their lifetime.

While the trio discussed the symptoms of shingles, which most people struggle to identify, Cat revealed Patrick, 53, currently has the virus.

Cat explained: ‘So, my husband’s got it, at the moment, and one of the things was…he didn’t know what the symptoms were.

Or, he didn’t spot them. He actually thought he’d got fibreglass in his face.’

Cat continued: ‘Because he’d been shifting things at the house that’s under construction at the moment. And then, he thought he’d touched his face.

‘So, he’d got like this burning, tingling, stinging sensation, but that’s what he thought it was.’

Shingles is a painful condition affecting mainly the skin, but sometimes the eyes, and caused by the same virus behind chicken pox.

The illness manifests in a rash and can be caught by anyone who has previously contracted chicken pox, which lies dormant in the body.

At Cat’s request, Sara told viewers the symptoms of shingles. She said: ‘Firstly you tend to get this tingly, burning sensation.

‘You may also notice you’re feeling more fatigued – you’ve got a headache, you’re tired. You might even have a bit of a temperature.’

‘A few days later you can start to develop a blotchy rash and then that develops into fluid-filled blisters, which start to crust over and scab away.’

Cat added: ‘They can be on the trunk of your body. [Patrick] has got them on his face, actually!’

Sara confirmed they can be ‘anywhere’ – including the genitals and around the eyes.

Cat married Patrick, who hosts RTÉ One’s The Late Late Show and presented the original series of Love Island, in 2012.

They have two children together, both of them boys: Miles Kielty, eight, and James Patrick Kielty, six.

From 2002 to 2003, Cat and Patrick co-hosted Fame Academy, and they lived in the US for several years while Cat presented So You Think You Can Dance.

In May, Cat made a shock bedroom confession while she and Ben were discussing whether or not separate bedrooms are the key to a happy marriage.

To aid their discussion, Cat and Ben were joined by Linda Lusardi and married couple Emma and Kevin – who choose to sleep in separate bedrooms.

Speaking about her own bedroom arrangements, Cat revealed she and Patrick sleep in separate rooms for most of the week.

She explained: ‘It’s one of those things that because of our schedule here [This Morning], from Monday to Thursday I sleep in the guest bedroom and the rest of the time I’m back. Because otherwise I get up at 5am and I want to fall asleep earlier.’

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Source: New York Post

Understanding Deductibles in Insurance

What is a Deductible?

A deductible is the amount of money a policyholder must pay out-of-pocket before an insurance company begins to cover the remaining costs. Deductibles are a fundamental component of most insurance policies, including health, auto, home, and business insurance.

How Do Deductibles Work?

When you file a claim, you are responsible for paying the deductible amount. Only after this amount is paid will the insurance company pay for the covered expenses exceeding the deductible. For example, if you have a $1,000 deductible on your car insurance and incur $3,000 in damages from an accident, you would pay the first $1,000, and the insurance company would cover the remaining $2,000.

Types of Deductibles

Fixed Dollar Deductible

: This is a specific amount you must pay each time you file a claim. It’s common in health and auto insurance policies.

Percentage Deductible

: In some cases, particularly with homeowners insurance, the deductible might be a percentage of the insured value. For instance, if your home is insured for $200,000 and you have a 2% deductible, your out-of-pocket cost would be $4,000 before insurance covers the rest.

Per-Claim vs. Annual Deductible

:

Per-Claim Deductible: You pay the deductible every time you file a claim.
Annual Deductible: Common in health insurance, this deductible resets each year. You pay out-of-pocket until your total expenses reach the deductible amount for the year.

Why Do Deductibles Exist?

Cost Control

: Deductibles help keep insurance premiums more affordable. Higher deductibles typically result in lower premiums because the policyholder assumes more initial risk.

Reduced Claims Frequency

: Deductibles discourage policyholders from filing small or frivolous claims, reducing the number of claims an insurer must process and pay out.

Shared Responsibility

: Deductibles ensure that policyholders share in the financial responsibility of their care or damages, promoting cautious behavior and maintenance of insured assets.

Choosing the Right Deductible

When selecting an insurance policy, choosing the right deductible is crucial. Here are some considerations:

Financial Ability

: Assess your ability to pay the deductible in case of a claim. A higher deductible can lower your premium but may be challenging to pay if an incident occurs.

Risk Tolerance

: Determine how much risk you are comfortable assuming. If you prefer lower out-of-pocket costs during an emergency, a lower deductible might be preferable, albeit with a higher premium.

Frequency of Claims

: Consider how often you might need to file a claim. If you anticipate frequent claims, a lower deductible might be more cost-effective over time.

Impact on Premiums

The relationship between deductibles and premiums is inverse. Generally, the higher the deductible, the lower the premium, and vice versa. This trade-off allows policyholders to customize their insurance based on their financial situation and risk appetite.

Conclusion

Deductibles are a key feature of insurance policies that influence both the cost of premiums and the financial burden on policyholders when filing claims. Understanding how deductibles work and carefully selecting an appropriate deductible can help balance cost savings with financial protection, ensuring optimal insurance coverage tailored to individual needs and circumstances.