Quattrini A, Paggi A, Ortenzi A, Forastieri L, Di Bella P, Recchioni M A
Riv Patol Nerv Ment. 1980 Jan-Feb;101(1):22-8.
324 epileptics were questioned about their approach to private insurance. Only 9,26% of them were covered by a life or accident insurance policy: 3,70% had life insurance, 3,70% accident insurance and 1,86% both. None of the patients had declared his disability to the insurance company. In 6,17% of the 324 epileptic cases an insurance policy had been taken out by their parents. In comparison about 35% of the Italian population in general are insured. A questionnaire was sent to 20 insurance companies; only 5 of them replied, saying that as far as accidents were concerned, they considered epileptics uninsurable. As for life insurance, policies can be contracted at increased premiums, according to the individual case (including the severity of the illness). Physicians must give epileptics fuller information about their insurance plans because, if their illness is detected after an accident, they will find themselves not covered by insurance. Government intervention is called for with the setting-up of special funds for this purpose.
对324名癫痫患者进行了关于他们购买私人保险情况的询问。其中只有9.26%的人拥有人寿或意外险保单：3.70%有人寿保险，3.70%有意外险，1.86%两者都有。没有一名患者向保险公司申报过自己的残疾情况。在324例癫痫病例中，有6.17%的患者的保险单是由其父母购买的。相比之下，意大利总人口中约有35%投保。向20家保险公司发送了调查问卷；只有5家回复称，就意外事故而言，他们认为癫痫患者不可投保。至于人寿保险，根据具体情况（包括疾病严重程度），可以以提高保费的方式签订保单。医生必须向癫痫患者提供更全面的保险计划信息，因为如果他们在事故后才被发现患病，他们会发现自己没有保险覆盖。为此需要政府干预，设立专项基金。
