Steinmetz M, Dittrich V, Röser K
Versicherungsmedizin. 2015 Sep 1;67(3):126-9.
Due to the spread of intervertebral disc degeneration, insurance companies and experts are regularly confronted with related assessments of insured persons under their private accident insurance. These claims pose a particular challenge for experts, since, in addition to the clinical assessment of the facts, extensive knowledge of general accident insurance conditions, case law and current study findings is required. Each case can only be properly assessed through simultaneous consideration of both the medical and legal facts. These guidelines serve as the basis for experts and claims.managers with respect to the appropriate individual factual assessment of intervertebral disc degeneration in private accident insurance.
由于椎间盘退变的蔓延，保险公司和专家经常要对其私人意外险下的被保险人进行相关评估。这些理赔对专家来说是一项特殊挑战，因为除了对事实进行临床评估外，还需要具备一般意外险条款、判例法和当前研究结果的广泛知识。每个案例只有通过同时考虑医学和法律事实才能得到妥善评估。这些指南为专家和理赔经理对私人意外险中椎间盘退变进行适当的个别事实评估提供了依据。
