Caputo Mahrrouz
J Insur Med. 2025 Jul 1;52(1):6-13. doi: 10.17849/insm-52-1-6-13.1.
Sleep, as a behavioural lifestyle factor, has so far received limited attention in medical risk assessment. Nonetheless, behavioural lifestyle factors can offer valuable insights into the health status of applicants. Health trackers enable the continuous recording of lifestyle factors such as physical activity and sleep patterns. Currently, there is a dearth of experience in incorporating such data when calculating premiums, as well as in understanding the correlation between continuously recorded lifestyle factors and mortality/morbidity. Hence, the literature was reviewed to examine the association between sleep duration and all-cause mortality to derive dose-response rates. Relative risks were calculated by pooling data from 10 selected studies comprising over 3 million study participants. The findings suggest that both short (<6 hours) and long sleep duration (>9 hours) are associated with an increased risk of all-cause mortality.
睡眠作为一种行为生活方式因素，迄今为止在医学风险评估中受到的关注有限。尽管如此，行为生活方式因素能够为申请人的健康状况提供有价值的见解。健康追踪器能够持续记录诸如身体活动和睡眠模式等生活方式因素。目前，在计算保险费时纳入此类数据以及理解持续记录的生活方式因素与死亡率/发病率之间的相关性方面缺乏经验。因此，对相关文献进行了综述，以研究睡眠时间与全因死亡率之间的关联，从而得出剂量反应率。通过汇总来自10项选定研究的数据（包括超过300万研究参与者）计算相对风险。研究结果表明，睡眠时间过短（<6小时）和过长（>9小时）均与全因死亡率风险增加相关。
