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SAT0231 Hindrances in effecting insurances among dutch ankylosing spondylitis (as) patients
  1. A Van Tubergen,
  2. A Boonen,
  3. S Van der Linden
  1. Rheumatology, University Hospital Maastricht, Maastricht, The Netherlands

Abstract

Objectives To evaluate whether AS patients encounter hindrances in effecting different types of insurances after the diagnosis of AS.

Methods In January 2000, a questionnaire was sent to 129 Dutch AS patients inquiring about three different types of insurances: health insurance, additional work-disability insurance (for non-covered loss of income due to illness) and life insurance. We identified patients who had effected one or more insurances after the diagnosis of AS, and had encountered hindrances. Hindrances were defined as obligation to supply medical information, obligation to undergo medical examination, or restrictions in the insurance contract, such as higher premium, no restitution for AS-related problems etc. As a control group served those patients who also effected the above insurances, but before the diagnosis of AS.

Results After diagnosis of AS 15 out of 129 patients had effected a health insurance. Four of them were obliged to supply medical information versus 0 from the control group (n = 114) (p < 0.001); 1 patient had to undergo a medical examination versus 3 from the controls (p = 0.96); and for 2 patients restrictions in the contract were imposed versus 0 from the controls (p = 0.005).

19 out of 38 patients effected an additional work-disability insurance after the diagnosis of AS. Six of them were obliged to supply medical information versus 0 from the control group (n = 19) (p = 0.027); 2 patients had to undergo a medical examination versus 0 from the controls (p = 0.47); for 2 patients restrictions in the contract were imposed versus 0 from the controls (p = 0.47).

25 out of 57 patients effected a life insurance after the diagnosis of AS. Seventeen patients were obliged to supply medical information versus 2 from the control group (n = 32) (p < 0.001); 6 patients had to undergo a medical examination versus 3 from the controls (p = 0.26); for 7 patients restrictions in the contract were imposed versus 1 from the controls (p = 0.02).

Conclusion In The Netherlands, AS patients encounter substantial hindrances in effecting insurances. Especially in effecting a health or life insurance medical information is often requested, which may lead to restrictions in the insurance contract.

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