Eamonn Holmes has given a health update as he shared his “next aim” following his split from Ruth Langsford, yet was accused of photoshopping his snap.

The broadcaster has been plagued with various health woes since 2016 and just last week raised concerns when he abruptly quit his TV appearance after falling ill while live on air. 

He recently admitted to The Mirror that he is “on borrowed time” amid his ongoing health issues.

The dad-of-four arrived at the TRIC awards last month in a high-tech wheelchair at the ceremony . 

He underwent a “life-changing” hip replacement in 2016, after refusing the surgery for three decades. 

Eamonn went on to have spinal surgery in 2022 but was set back again when he suffered a fall and broke his shoulder.

The TV star admitted he “basically can’t walk” and has shared his health progress with followers online. Eamonn posted a photo on his Instagram showing him standing up against a door frame. He kept casual in white trousers and a navy jumper and wrote: “Hard to stand up but next my aim is to walk . Off to a birthday party today . What about you ?”

Fans shared their support as one said: “Your doing well Eamonn keep it up xx.” Another added: “Looking good. Enjoy your party x.” Someone else commented: “You’re looking good Eamonn, keep up the good fight.” A fourth urged: “Look after yourself and enjoy your party.”

However, some followers suggested Eamonn had edited the photo as the doorframe appeared to bend. One follower claimed: “He’s edited this pic, if you look bottom right, it’s curved lol.” Another added: “look at the door as well.” Someone else commented: “oh dear god lmao, photoshop fail ah Eamonn come on.” Yet one fan hit back: “So what does it matter. We all edit photos to make us look and feel better.”

Back in May, Eamonn and wife Ruth Langsford announced their shock split after 14 years of marriage. Ruth has reportedly been grappling with “agonising guilt” in light of her estranged husband’s ongoing health struggles. It has been said she’s worried about appearing as if she’s “abandoned” him.

A source revealed to Bella magazine that Ruth felt “terribly guilty” and seeing recent photos of a “frail has been torture for her” Eamonn has been incredibly difficult for her. The source added: “Even though she has every right to live her life and do what is right for her – she’s convinced the public will see her as abandoning Eamonn in his time of need as he struggles with his health.”

Speaking to theMirror, Eamonn acknowledged being on “borrowed time” while discussing his health issues.”I’m not OK. This is not a good time at all,” he confessed before making an emotional appeal to his estranged wife. Reflecting on their 14-year marriage, he said: “It’s too early to say but I hope we can still be friends.”

In 2016, Eamonn Holmes underwent a gruelling three-and-a-quarter-hour double-hip replacement operation. Eamonn opened up about his shingles battle in 2018, revealing he was hit with the virus on his son Declan’s wedding day. During a stint on Loose Women in September 2021, he discussed his health struggle that left him unable to present This Morning three years prior. His ordeal with chronic back pain began unexpectedly in spring 2021.

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Source: CNN

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

1. 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.
2. 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.
3. 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?

1. Cost Control: Deductibles help keep insurance premiums more affordable. Higher deductibles typically result in lower premiums because the policyholder assumes more initial risk.
2. Reduced Claims Frequency: Deductibles discourage policyholders from filing small or frivolous claims, reducing the number of claims an insurer must process and pay out.
3. 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:

1. 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.
2. 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.
3. 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.