Analysis of All-Cause Mortality Population of Insurance Applicants
Muhammad Ghafoor Ali *
Allama Iqbal Open University, Islamabad, Pakistan.
*Author to whom correspondence should be addressed.
Abstract
Background: The risk of all-cause mortality is assessed in the study from factors consisting of BMI, medical history, socioeconomic status etc where factors are available in the life insurance organization data and submitted at the time of registration and subsequently in the death claim papers which gives detail about the state of health and cause of death.
Methods: A retrograde study has been carried out of 300 deceased life insured (2005-2014) from the data of a life insurance organization in Pakistan about all-cause mortality from the available factors in death claim files. The research instruments were consisting of death claim register, proposal forms, medical reports and death claim papers.
Results: The results indicate maximum deaths found due to Cardiovascular causes (43.34%) followed by Cancer (9.00%) while minimum found in, Endocrine disorders(0.33%)followed by Respiration(0.67%). However significant causes of death occurred due to Accident, Liver, CNS, Multisystem involvement, Natural disaster and Un- natural. The correlation co-efficient found as ‘0.07’ for all-cause mortality indicating positive relationship between BMI and Life Expectancy.
Conclusion: Medical history plays an important but not a compulsory role in mortality. Since BMI (WHO) showed higher mortality with normal BMI whereas BMI (Asia) showed it at-risk value therefore WHO should make separate criteria of standard of BMI as being different for different ethnicities. In Insurance organization NT-proBNP and BMI of ethnic area be used to asses life expectancy in applicants. Necessary measures should be opted for implementation of “The Sendai Framework for Disaster Risk Reduction 2015-2030”.
Keywords: Policyholder, deceased, insurance, BMI, Proposal Form, Medical Report, claim form.