Insurability of children with congenital urological anomalies.
Annual Meeting of the Section on Urology, American Academy of Pediatrics. Boston (USA), 1996/10/26.
We sought to determine life insurance underwriting practices for children diagnosed with multicystic dysplastic kidney or unilateral neonatal hydronephrosis, and evaluate whether management options (observation versus operative intervention) have an influence on such practices.
Materials and Methods
A questionnaire and history of 1 child with multicystic dysplastic kidney and 1 with unilateral neonatal hydronephrosis were distributed to 348 insurance companies licensed to issue life insurance policies in New Jersey.
The medical director of each insurance company was requested to indicate the current underwriting practices for life insurance policies based on these 2 case scenarios, and asked whether observation or operative intervention influenced such decisions.
Of the 348 insurance companies licensed to issue life insurance 130 (37.4%) responded, including 5 (3.8%) that did not choose to participate in the study, 56 (43.1%) that did not issue life insurance to children and 69 (53.1%) that completed the questionnaire based on current life insurance underwriting practices.
For a child with multicystic dysplastic kidney 10 companies (14.5%) would issue life insurance if treatment involved observation only, while 49 (71%) would do so after nephrectomy.
For a child with unilateral neonatal hydronephrosis 19 (27.5%) companies would issue life insurance if treatment involved observation only, while 46 (66.7%) would do so after pyeloplasty. (...)
Mots-clés Pascal : Hydronéphrose, Rein polykystique, Influence, Stratégie, Traitement, Chirurgie, Expectation, Acceptation, Assurance vie, Résultat, Questionnaire, Enfant, Homme, Appareil urinaire pathologie, Rein pathologie, Voie urinaire pathologie, Maladie héréditaire, Tumeur bénigne, Kyste
Mots-clés Pascal anglais : Hydronephrosis, Polycystic kidney, Influence, Strategy, Treatment, Surgery, Expectation, Acceptance, Life insurance, Result, Questionnaire, Child, Human, Urinary system disease, Kidney disease, Urinary tract disease, Genetic disease, Benign neoplasm, Cyst
Notice produite par :
Inist-CNRS - Institut de l'Information Scientifique et Technique
Cote : 97-0460992
Code Inist : 002B30A11. Création : 03/02/1998.