血圧高値契約における重大疾患罹患リスクと生命予後  [in Japanese] Dread Disease Incidence and Prognosis of Untreated Hypertension  [in Japanese]

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Author(s)

Abstract

当社医師扱の新契約無条件体をコントロールとして,第1傷病(欠陥)コードが高血圧(治療中と既往を除く)である契約の重大疾患罹患リスクとその生命予後を調査した。対象の経過契約件数は,死亡保険20.9万件(54.0±9.8歳),特定疾病保険8.3万件(49.4±9.6歳)であった。死亡指数は,137%(95%信頼区間 129%-145%),死因別には,心疾患237%と脳血管疾患278%が有意に増加し,悪性腫瘍は106%であった。特定疾病保険の給付(罹患)指数は,146%(同 135%-156%),事由別には,心疾患211%,脳血管疾患373%,悪性腫瘍107%と,脳血管疾患を除き,死亡指数相応の増加を示した。生前給付事由別の死亡指数:給付指数は,心筋梗塞233%:199%,くも膜下出血306%:289%,脳(内)出血295%:591%,脳梗塞190%:264%で,特に脳(内)出血の罹患が著増していた。4疾患計の集団構成補正後の死亡指数/給付指数比(無条件体の疾患罹患後致死率を1とする)は0.98,悪性腫瘍1.00,全死因で1.00と,重大疾患罹患後の予後は,無条件体と同程度であった。

We studied the incidence ratio of three major dread diseases and the mortality ratio for the group of new policies with untreated hypertension coded as the primary impairment, as compared against a control group of new standard lives assessed by our medical examiners. The risk exposure under this study consists of 209,000 life insurance policies (mean policyholder's age of 54.0±9.8 years) and 83,000 Dread Disease insurance policies (49.4±9.6 years). The all-cause mortality ratio was 137% (95%CI 129-145%) for the target substandard group. Death by heart disease and cerebrovascular disease showed significantly higher ratios of 237% and 278%, respectively, while malignant tumor stood at 106%. The all-cause incidence ratio was 146% (95%CI 135-156%), where living benefits had been paid for Dread Disease insurance. Claim by heart disease and malignant tumor showed similar figures with mortality at 211% and 107%, respectively, whereas cerebrovascular disease was the exception at 373%. By cause of claim for living benefits, mortality ratio: incidence ratio were 233% : 199% for myocardial infarction, 306% : 289% for subarachnoid hemorrhage, 295% : 591% for cerebral hemorrhage, and 190% : 264% for cerebral infarction. (The incidence ratio for cerebral hemorrhage was significantly high.) The standardized ratio of the mortality ratio to the incidence ratio was 0.98 for the above-mentioned four diseases combined, 1.00 for malignant tumor and 1.00 for all causes of death. This implies that, after the incidence of dread diseases, the prognosis of untreated hypertension is almost the same as that of the standard lives.

Journal

  • The journal of the Association of Life Insurance Medicine of Japan

    The journal of the Association of Life Insurance Medicine of Japan 111(1), 10-26, 2013-03-29

    The Association of Insuramce Medicine of Japan

References:  14

Codes

  • NII Article ID (NAID)
    110009603872
  • NII NACSIS-CAT ID (NCID)
    AN00197853
  • Text Lang
    JPN
  • Article Type
    ART
  • ISSN
    0301262X
  • NDL Article ID
    024634522
  • NDL Call No.
    Z19-675
  • Data Source
    CJP  NDL  NII-ELS 
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