Insurance problems among inflammatory bowel disease patients: results of a Dutch population based study

Russel, M.G.V.M.; Ryan, B.M.; Dagnelie, P.C.; de Rooij, M.; Sijbrandij, J.; Feleus, A.; Hesselink, M.; Muris, J.W.; Stockbrugger, R.
March 2003
Gut;Mar2003, Vol. 52 Issue 3, p358
Academic Journal
Background and aims: The majority of patients with inflammatory bowel disease (IBD) have a normal life expectancy and therefore should not be weighted when applying for life assurance. There is scant literature on this topic. In this study our aim was to document and compare the incidence of difficulties in application for life and medical insurance in a population based cohort of IBD patients and matched population controls. Methods: A population based case control study of 1126 IBD patients and 1723 controls. Based on a detailed questionnaire, the frequency and type of difficulties encountered when applying for life and medical insurance in matched IBD and control populations were appraised. Results: In comparison with controls, IBD patients had an 87-fold increased risk of encountering difficulties when applying for life assurance (odds ratio (OR) 87 (95% confidence interval (CI) 31-246)), with a heavily weighted premium being the most common problem. Patients of high educational status, with continuous disease activity, and who smoked had the highest odds of encountering such problems. Medical insurance difficulties were fivefold more common in IBD patients compared with controls (OR 5.4 (95% CI 2.3-13)) although no specific disease or patient characteristics were identified as associated with such difficulties. Conclusions: This is the first detailed case control study that has investigated insurance difficulties among IBD patients. Acquiring life and medical insurance constituted a major problem for IBD patients in this study. These results are likely to be more widely representative given that most insurance companies use international guidelines for risk assessment. In view of the recent advances in therapy and promising survival data on IBD patients, evidence based guidelines for risk assessment of IBD patients by insurance companies should be drawn up to prevent possible discriminatory practices.


Related Articles

  • Health care costs and their predictors of inflammatory bowel diseases in Germany. Prenzler, Anne; Bokemeyer, Bernd; Schulenburg, J.-Matthias; Mittendorf, Thomas // European Journal of Health Economics;Jun2011, Vol. 12 Issue 3, p273 

    Objectives: Detailed cost studies of inflammatory bowel diseases (IBD) for Germany are limited. Aim of this study was to collect resource-use data related to IBD via a cross-sectional study, to quantify these from the perspective of the Statutory Health Insurance (SHI) and to identify...

  • The Relationship between Insurance Class and Severity of Presentation of Inflammatory Bowel Disease in Children. Spivak, William; Sockolow, Robbyn; Rigas, Anastasia // American Journal of Gastroenterology;Jun1995, Vol. 90 Issue 6, p982 

    Objective: To determine whether there is an association between insurance class and the severity of presentation of inflammatory bowel disease in children. Methods: Twenty underinsured (either no insurance or Medicaid) children were computer-matched with 20 children with private...

  • Safety and Efficacy of Adalimumab for Patients With Moderate to Severe Crohn's Disease: The Taiwan Society of Inflammatory Bowel Disease (TSIBD) Study. Chen-Wang Chang; Shu-Chen Wei; Jen-Wei Chou; Tzu-Chi Hsu; Chiao-Hsiung Chuang; Ching-Pin Lin; Wen-Hung Hsu; Hsu-Heng Yen; Jen-Kou Lin; Yi-Jen Fang; Horng-Yuan Wang; Hung-Hsin Lin; Deng Cheng Wu; Yen Hsuan Ni; Cheng-Yi Wang; Jau-Min Wong // Intestinal Research;Oct2014, Vol. 12 Issue 4, p287 

    Background/Aims: Only moderate to severe Crohn's Disease (CD) patients without a satisfactory conventional therapy effect are eligible to get reimbursement from the National Health Insurance of Taiwan for using adalimumab. These are more stringent criteria than in many Western countries and...

  • IN BRIEF.  // Occupational Health;Jun2011, Vol. 63 Issue 6, p4 

    The article discusses a 2011 study by Crohn's and Colitis UK which found that about 68% of those suffering from inflammatory bowel disease feel they have no control over their conditions at work, and that about one third feel their employers are indifferent to their plight.

  • Trends and Factors Affecting Hospitalization Costs in Patients with Inflammatory Bowel Disease: A Two-Center Study over the Past Decade. Junjie Xu; Minyue Tang; Jun Shen // Gastroenterology Research & Practice;2013, p1 

    With the growing number of patients with inflammatory bowel disease (IBD) and hospitalization cases, the overall medical care cost elevates significantly in consequence. A total of 2458 hospitalizations, involving 1401 patients with IBD, were included fromtwo large medical centers....

  • Probiotics and Immune Regulation of Inflammatory Bowel Diseases. Y. Cong; A. Konrad; N. Iqbal; C.O. Elson // Current Drug Targets - Inflammation & Allergy;Jun2003, Vol. 2 Issue 2, p145 

    Intestinal microflora play an important role in the pathogenesis of inflammatory bowel diseases (IBD). Certain probiotic bacteria provide beneficial effects for human health and intervention of IBD. Possible mechanisms underlying these effects are diverse and include many aspects of the...

  • Inflammatory Bowel Disease.  // Current Medical Literature: Gastroenterology;2003, Vol. 22 Issue 2, p54 

    Presents citations and clinicians' notes about inflammatory bowel disease. 'High prevalence of osteoporotic vertebral fractures in patients with Crohn's disease,' by J. Klaus, G. Armbrecht et al.; 'Primary chronic interstitial nephritis in Crohn's disease,' by H. Izzedine, J. Simon et al.

  • The treatment of inflammatory bowel disease in children. Wyllie, Robert; Sarigol, Samra // Clinical Pediatrics;Jul1998, Vol. 37 Issue 7, p421 

    Editorial. Discusses the treatment of inflammatory bowel disease in children. Symptoms of inflammatory bowel disease; Efficacy of metronidazole; Study on corticosteroid analogues; Nutritional intervention in Crohn's disease.

  • Inflammatory bowel disease. Galper, Charlotte; Cerda, James; Hanauer, Stephen B.; Peppercorn, Mark A.; Wexner, Steven D. // Patient Care;3/15/1998, Vol. 32 Issue 5, p81 

    Focuses on treatments for inflammatory bowel diseases (IBDs). Detailed information on ulcerative colitis (UC), crohn's disease (UC) and their treatments; Reference to nutritional therapy; Precautions with the use of corticosterioids for IBD patients; Indepth look at several therapies for IBD. ...


Read the Article


Sign out of this library

Other Topics