Pickett N A, Drewry S J, Comer E L
Metlife Central Head Office, Tulsa, OK.
Stat Bull Metrop Insur Co. 1990 Oct-Dec;71(4):2-9.
The national health burden created by AIDS/HIV disease has had a significant impact on the insurance industry. In an analysis of the MetLife health and life insurance claims from 1986 through 1989, it was found that a total of $323,900,000 has been paid for AIDS/HIV disease. This figure and related information from those years were based on the Company's underwriting and claims files, with personal and group operations reported separately. Personal life insurance claims rose from 344 in 1986 to 874 in 1989 with the dollar amounts increasing from $3.2 million to $8.9 million. In 1989 there were 689 group life claims with a face amount of $31.5 million and 6,450 people who received group medical claim payments for a total of $111.2 million. In 1989 AIDS claims comprised 1.61 percent of MetLife claims--up from 0.4 percent in 1986.
艾滋病/艾滋病毒疾病造成的国家健康负担对保险业产生了重大影响。在对大都会人寿1986年至1989年的健康和人寿保险理赔进行分析时发现，已为艾滋病/艾滋病毒疾病支付了总计3.239亿美元。这一数字以及那些年的相关信息基于该公司的承保和理赔档案，个人业务和团体业务分别报告。个人人寿保险理赔从1986年的344起增至1989年的874起，赔付金额从320万美元增至890万美元。1989年有689起团体人寿理赔，保额为3150万美元，6450人获得团体医疗理赔金，总计1.112亿美元。1989年艾滋病理赔占大都会人寿理赔的1.61%，高于1986年的0.4%。
