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KMID : 0365420090280010015
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Journal of the KLIMA
2009 Volume.28 No. 1 p.15 ~ p.18
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Insurance risk analysis of drug-resistant tuberculosis
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Lee Sin-Hyung
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Abstract
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Background: Recent emergence of drug-resistant tuberculosis such as multidrug-resistant tuberculosis(MDR-TB) or extensively drug-resistant tuberculosis(XDR-TB) has become important health care problems. It has also became grave issues for insurance industries in determining medical risks. We have therefore strived to analyze the comparative mortality rates for drug-resistant tuberculosis through utilization of results from previous articles.
Methods: Comparative mortality was calculated from source articles using mortality analysis methods.
Results: Mortality ratio of MDR-TB was estimate to 1200%, and excess death rate was 110 per 1,000. Comparative mortality between MDR-TB and XDR-TB by Korean were 1750, 382, 405, 443, 1025, and 357%, for each 10 months study intervals, respectively. Total mortality ratio was 594% and total excess death rate was 60 per 1,000person. It was determined that the risk of XDR-TB was much greater than MDR-TB.
Discussion: Pending the development of a novel anti-tuberculosis drug, it would be prudent to steer clear insuring XDR-TB during underwriting phase due to high medical cost that it creates.
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KEYWORD
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insurance medicine, risk selection, drug resistance, Mycobacterium tuberculosis, extensively drugresistant tuberculosis
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