INSURABILITY FOR ASYMPTOMATIC HEMATURIA OR PROTEINURIA DURING CHILDHOOD

被引：3

作者：

FELD, LG ^{[1
]}

STAPLETON, FB ^{[1
]}

机构：

[1] SUNY Buffalo, CHILDRENS HOSP BUFFALO, SCH MED & BIOMED SCI, CTR CHILDRENS KIDNEY, BUFFALO, NY 14260 USA

来源：

AMERICAN JOURNAL OF KIDNEY DISEASES | 1993年 / 22卷 / 02期

关键词：

INSURANCE; PROTEINURIA; HEMATURIA;

D O I：

10.1016/S0272-6386(12)70315-3

中图分类号：

R5 [内科学]; R69 [泌尿科学（泌尿生殖系疾病）];

学科分类号：

1002 ; 100201 ;

摘要：

The objective of this survey was to describe life insurance underwriting practices concerning children with asymptomatic hematuria and proteinuria. A questionnaire was sent to 200 companies licensed to issue life insurance policies in the state of New York. The medical director of each company was asked to respond to the insurability of children with asymptomatic hematuria and proteinuria. Two case summaries were provided with the questionnaire. Of 97 companies, 66 would offer insurance to the patient with hematuria, although 38 (58%) would charge additional premiums. In response to the problem of proteinuria, 61 companies would offer life insurance, although 50 (82%) would require higher premium charges (P < 0.002 compared with hematuria). We conclude that children with asymptomatic hematuria and proteinuria can usually obtain life insurance, although often at higher cost. Invasive diagnostic tests are not necessary for insurers to offer insurance. © 1993, National Kidney Foundation, Inc.. All rights reserved.

引用

页码：261 / 263

页数：3