Bailey M A, Rosenthal P
Division of Gastroenterology and Nutrition, Childrens Hospital of Los Angeles, CA 90027.
Clin Pediatr (Phila). 1989 Feb;28(2):60-3. doi: 10.1177/000992288902800202.
To assess the insurability of children with gastrointestinal disorders, the authors surveyed by questionnaire 106 health-insurance companies concerning their handling of an application for health insurance for a child with a diagnosed gastrointestinal disorder. They received 24 responses (23%) of which only ten companies (42% of the respondents, 9% of the companies surveyed) completed the questionnaire. Insurance companies generally were not receptive to their inquires. The consensus of the responses was that ultimate insurability is dependent upon review of the medical record. For individual gastrointestinal diseases, responses were variable and often not easily categorized. Many companies encourage applicants previously denied coverage to reapply at a later date. Most pediatric gastrointestinal disorders are not insurable or insurable only at increased rates. Since insurability is dependent upon review of the medical record, the medical record must reflect the diagnosis and prognosis accurately. Education of the insurance industry regarding pediatric gastrointestinal disorders is encouraged.
为评估患有胃肠疾病儿童的可保险性，作者通过问卷调查了106家健康保险公司，询问他们对患有确诊胃肠疾病儿童的健康保险申请的处理方式。他们收到了24份回复（23%），其中只有10家公司（占回复公司的42%，占被调查公司的9%）完成了问卷。保险公司一般不接受他们的询问。回复的共识是最终的可保险性取决于对病历的审查。对于个别胃肠疾病，回复各不相同，且往往不易分类。许多公司鼓励之前被拒绝承保的申请人在之后重新申请。大多数儿科胃肠疾病不可保险，或仅能以更高费率投保。由于可保险性取决于对病历的审查，病历必须准确反映诊断和预后情况。鼓励对保险业进行有关儿科胃肠疾病的教育。
