Pages

Tuesday, 23 September 2014

Study finds link between insurance type & treatment for patients of stroke

Study finds link between insurance type & treatment for patients of stroke
insurance type & treatment for patients of stroke
University of Florida researchers have found a correlation between Medicare and patient access to surgical treatment for subarachnoid hemorrhage, a type of stroke that affects as many as 30,000 Americans each year - often causing death or long-term impairment and disability. For patients who have suffered this type of stroke, surgical intervention can spell the difference between recovery or long-term disability and death, life insurance yet patients on Medicare are less likely than those with private insurance to be referred for surgical treatment, according to findings published in the journal PLOS ONE. This may represent a conscious or unconscious bias against Medicare patients, who are typically older and have preexisting disabilities or chronic illnesses, said Azra Bihorac, M.D., senior author of the study and an associate professor of anesthesiology, medicine and surgery at the UF College of Medicine. "Not every hospital has skilled neurosurgeons who specialize in subarachnoid hemorrhage," Bihorac said. "If these hospitals don't have the necessary expertise, then they may actually overestimate the risk of a bad prognosis. They may assume that the patient won't do well anyway, so they won't proceed with surgery." For the study, the researchers analyzed data from the National Inpatient Sample hospital discharge database. The data includes information on more than 21,000 adult patients discharged from 2003 to 2008 with a diagnosis of subarachnoid hemorrhage. Approximately 62 percent of the sample was female and the mean age was 59 years - younger than is typical with other types of stroke. Compared with privately insured patients, life insurance

Medicare patients were almost 45 percent less likely to undergo surgical treatment and were more than twice as likely to die in the hospital. This may be because Medicare patients tend to be older or have additional health issues, said lead author Charles Hobson, M.D., M.H.A., a surgical critical care specialist at the Malcom Randall Veterans Affairs Medical Center and a doctoral candidate in the UF College of Public Health and Health Professions. "It's not that you don't get surgery because you have Medicare - your doctor isn't checking your life insurance," he said. "But having Medicare as primary health insurance may be a proxy for bias against the elderly and those with chronic illnesses." Subarachnoid hemorrhage accounts for 5 percent of all strokes, according to the American Heart Association. It occurs when there is bleeding in the area between the brain and the thin tissues that cover the brain, most often caused by an aneurysm. The condition causes sudden, severe head pain and must be treated immediately to prevent brain injury, disability and death. Risk factors include a family history of aneurysms, high blood pressure and smoking. Approximately 10 to 15 percent of these patients die before reaching the hospital. For those who survive, the next 48 hours are critical, Bihorac said. During this time, the main goal of the treatment team is to stop the patient from re-bleeding, a repeated rupture in the same location of the aneurysm and the leading cause of death in people who survive the initial hemorrhage. A combination of early interventions including medications to lower a patient's blood pressure can help reduce the chance of re-bleeding, but surgical treatment to repair the aneurysm has been shown to decrease both illness and death life insurance after subarachnoid hemorrhage, Hobson said. The study found that patients who did not undergo surgical treatment were twice as likely to die than those who did have surgery. In addition, patients who survived the first 48 hours without surgery had a greater risk of developing a severe disability or cognitive impairment. However, only about one third of all subarachnoid hemorrhage patients in the United States actually receive some form of surgical treatment. "Surgery is valuable - really, essential - if you're going to have a good outcome," Hobson said. "But we've found that if there are two people who are otherwise the same, but one is either elderly or has chronic illness or disability, he or she is less likely to undergo surgery." While the researchers believe there is a bias regarding these patients, two-thirds of all people treated for subarachnoid hemorrhage do not receive surgical treatment to repair the aneurysm. One contributing factor is the small percentage of patients who bleed without having an aneurysm, but this alone does not explain the substantial number of people who go without surgical treatment, Bihorac said. She believes that one reason for this is a lack of standard of care for subarachnoid hemorrhage. "A lot of things are left up to the subjective assessment of the provider who first sees the patient," Bihorac said. "Each provider has his or her own biases. They can be rational, they can be made from past experience - but these biases do interfere." This bias is of particular concern if a patient seeks treatment at a hospital that only sees a few subarachnoid hemorrhage cases each year or is without the necessary diagnostic tests or specialists in place, she said. Indeed, the study found that patients treated at teaching hospitals, as well as hospitals that see a high volume of subarachnoid hemorrhage patients, were more likely to undergo surgical treatment. A potential solution for the discrepancy would be for state government to enforce regionalized care for subarachnoid hemorrhage, as is currently standard for certain trauma and neonatal issues, Hobson said. "Despite the improvements in care over the last 10 years in subarachnoid hemorrhage, the percent of people not receiving surgery is unchanged - which is another argument for dealing with this issue on a systemic level, not an individual provider level," he said. "With regionalized care, life insurance the moment an ER doc sees a bleed, it would trigger a system - 'OK, this patient needs to go to a place where the experts can decide whether or not he needs surgery.' The clock is ticking." 


Friday, 30 May 2014

Turkey for Growing Private Pensions scheme has more room to expand

Turkey for Growing private pensions scheme

   Turkey for Growing private pensions scheme

Participation in Turkey's Private Pensions scheme has risen over the first four months of 2014, compared to the same period last year, according to data from MetLife Turkey. Mr Deniz Yurtseven, general manager of MetLife Turkey, said that the amount of funds of participants increased to nearly TRY30 billion (US$14.2 billion) at the end of April from TRY26.3 billion a year ago, reported Turkish Press. Turkey’s private pensions scheme was launched in October 2003. In recent years, the sector has attracted several foreign players. At present, under the private pensions scheme, the government contributes 25% of the pension to participants every month. "Turkey’s private pensions system has huge potential," said Mr Yurtseven. "The 25% state contribution will continue for the remainder of this year, and the system will grow steadily." The total number of participants in the private pensions scheme reached 4,520,515 as at 9 May this year. However, experts say that this reflects very limited participation in the system in a country of 76.5 million people. At present, most private pension fund firms are owned wholly or partly by foreign insurance groups, such as Groupama, ING, Aegon, Ergo IsviƧre, MetLife and Avivasa. There were 18 private pension fund companies in the country as at 9 May. However, in terms of assets under management, the leading company is Turkish-owned Anadolu Hayat Emeklilik with TRY5.6 billion, followed by Avivasa with TRY5.4 billion. Nearly a third of pension policy holders in the system are residents of Istanbul which is the country's economic, cultural, and historical heart. Istanbul is followed by capital Ankara with 9.3%, Izmir with 7.6% and Antalya with 4.4%. A vast majority, or nearly 84%, of all pension plan participants in Turkey have a university degree. Nearly 35% of the private pension subscribers are between the ages of 25 and 34.

News Source :  www.meinsurancereview.com

Thursday, 29 May 2014

Unlocking the doors to success in Sudan

Unlocking the doors to success in Sudan
Unlocking the doors to success in Sudan
Sudan’s Takaful industry is endeavouring to overcome the country’s economic and political challenges by responding innovatively to the community’s needs, while preserving the ethical values of takaful. By Osama Noor Takaful in Sudan continues to be the most genuine and acceptable Islamic insurance experience which is consistent with Shariah principles, said Mr Salah Eldeen Musa Mohamed, Managing Director of Shiekan Insurance and Reinsurance Co. “Total contributions have shown double-digit growth in the past three years and surpluses have been rewarding as well. This shows that takaful is a successful business model without jeopardising the ethical values of solidarity and cooperation.” In 2012, gross contributions grew by around 40% to about SDG1.3 billion (US$229 million) from SDG900 million in the preceding year. General lines account for about 96% of the market, with motor leading at around 40%. Operators have been actively tapping into new segments and innovating products, thereby helping to expand the market. However, inflation and the devaluation of the Sudanese pound have amplified the size of premiums in the past couple of years, said Mr Mohamed Abdin Babiker, General Manager of United Insurance Co (UIC). “The prices of various properties have been re-evaluated and rates have been adjusted to reflect the increase. This is especially for properties which have foreign materials because the pound has dropped against hard currencies.”

News Source :  www.meinsurancereview.com

Advertise

yX Media - Monetize your website traffic with us

Blogroll

Related Posts Plugin for WordPress, Blogger...