Nissing Matthew H, Hayashi Paul H
Division of Gastroenterology & Hepatology, St. Louis University Liver Center, St. Louis, MO.
Liver Transpl. 2005 Jul;11(7):843-847. doi: 10.1002/lt.20411.
There are no data regarding hepatic lobe donation effects on donor life insurability. Two investigators called 10 agents of 10 different large life insurance companies. One investigator gave a fictitious profile: Caucasian man, 33 years old, nonsmoker, without medical problems (control profile [CP]). The other investigator used the same profile with a history of uncomplicated right lobe donation 12 months earlier (donor profile [DP]). Investigators asked for premium quotes on a $100,000 term life policy. No medical testing or record review was allowed. Investigators were blinded to the results of each other's calls. Agents were unaware of the study. We documented underwriting decisions, premiums quoted, stipulations, number of phone calls, and phone time. All 10 companies would pursue underwriting CP at their lowest, "preferred" rate. Five would do the same for DP. Two might underwrite DP at a more expensive "standard" rate, but a "preferred" rate would be less likely. One would underwrite DP at the "standard" rate; one would not underwrite DP. One agent did not return follow-up calls (DP insurability < CP, P = 0.04). Mean quoted premiums were lower for CP vs. DP ($189/yr. vs. $202/yr., P = 0.56). Median number of phone calls required was 1 for CP and 3 for DP (P = 0.01). Mean telephone minutes were 4.2 for CP and 8.0 for DP (P = 0.004). In conclusion, right hepatic lobe donation decreases life insurability 1 year after uncomplicated donation. Donors can expect some increased difficulty obtaining life insurance, but they should find a company willing to pursue underwriting. The premium paid may be slightly higher.
目前尚无关于肝叶捐赠对捐赠者人寿保险可保性影响的数据。两名研究人员致电10家不同大型人寿保险公司的10名代理人。一名研究人员给出了一个虚构的资料：白人男性，33岁，不吸烟，无健康问题（对照资料[CP]）。另一名研究人员使用相同的资料，但有12个月前无并发症右叶捐赠史（捐赠者资料[DP]）。研究人员询问了一份10万美元定期人寿保险单的保费报价。不允许进行医学检查或记录审查。研究人员对彼此致电的结果不知情。代理人不知道这项研究。我们记录了承保决定、报价保费、规定、电话数量和通话时间。所有10家公司都会以其最低的“优选”费率对CP进行承保。5家公司对DP也会如此。2家公司可能会以更昂贵的“标准”费率对DP进行承保，但获得“优选”费率的可能性较小。1家公司会以“标准”费率对DP进行承保；1家公司不会对DP进行承保。一名代理人未回电（DP的可保性低于CP，P = 0.04）。CP的平均报价保费低于DP（每年189美元对202美元，P = 0.56）。CP所需的电话中位数为1次，DP为3次（P = 0.01）。CP的平均通话分钟数为4.2分钟，DP为8.0分钟（P = 0.004）。总之，无并发症的右肝叶捐赠1年后会降低人寿保险可保性。捐赠者可能会发现获得人寿保险会增加一些难度，但他们应该能找到愿意进行承保的公司。支付的保费可能会略高一些。
