Truesdell S C, Skorton D J, Lauer R M
Pediatrics. 1986 May;77(5):687-91.
To determine the life insurability of young people with cardiovascular disease, we sent questionnaires to 99 life insurance companies concerning 18 congenital defects, rheumatic heart disease, and four dysrhythmias. We received 50 responses (50%) from companies whose sales make up 41% of the life insurance market. The concensus of insurability for the defects listed was: standard rates--mild pulmonic stenosis, rheumatic fever without carditis, mitral valve prolapse without regugitation, and the following postoperative lesions: patent ductus arteriosus, atrial septal defect, pulmonic stenosis, ventricular septal defect; uninsurable--most unoperated lesions, postoperative lesions with complex dysrrhythmias, severe aortic insufficiency, idiopathic hypertrophic subaortic stenosis, Ebstein's anomaly, truncus arteriosus, tricuspid atresia; insurable at increased rates--most other defects, including dextrotransposition of the great vessels, postoperative aortic stenosis, mild aortic insufficiency, postoperative coarctation of aorta, postoperative tetralogy of Fallot, and small ventricular septal defect. We conclude that life insurance is available to many children with cardiovascular disease, including most postoperative patients. Whether the increased rates requested for some defects are prohibitive is a matter to be decided by each family.
为了确定患有心血管疾病的年轻人的人寿保险可保性，我们就18种先天性缺陷、风湿性心脏病和4种心律失常向99家寿险公司发送了调查问卷。我们收到了占寿险市场销售额41%的公司的50份回复（50%）。对于所列缺陷的可保性共识如下：标准费率——轻度肺动脉狭窄、无心脏炎的风湿热、无反流的二尖瓣脱垂，以及以下术后病变：动脉导管未闭、房间隔缺损、肺动脉狭窄、室间隔缺损；不可保——大多数未手术的病变、伴有复杂心律失常的术后病变、严重主动脉瓣关闭不全、特发性肥厚性主动脉瓣下狭窄、埃布斯坦畸形、动脉干、三尖瓣闭锁；可增加费率承保——大多数其他缺陷，包括大血管右旋转位、术后主动脉狭窄、轻度主动脉瓣关闭不全、术后主动脉缩窄、术后法洛四联症和小型室间隔缺损。我们得出结论，许多患有心血管疾病的儿童，包括大多数术后患者，都可以获得人寿保险。对于某些缺陷所要求增加的费率是否过高，这是每个家庭要决定的事情。
