Utilizing laboratory testing historical past databases to judge applicant threat can present underwriters a extra full image of applicant well being. Laboratory historical past information supplies fast entry to physician-ordered laboratory testing outcomes, it verifies applicant self-reported medical disclosure, and it may scale back prices as a attainable various to an Attending Doctor Assertion order. Discover out a few of the advantages of utilizing this information within the underwriting course of.
LabPiQture™, ExamOne’s distinctive laboratory testing outcomes database, supplies deep insights into the well being historical past of candidates. Throughout Ladies’s Well being Month, we’ve taken a deeper take a look at the circumstances mostly identified in feminine life insurance coverage candidates.
High 5 diagnoses present in historic laboratory studies of feminine life insurance coverage candidates
Encounter for normal examination with out criticism, suspected or reported prognosis
This encounter captures most normal exams that aren’t the results of a criticism or different prognosis. In laboratory information, this code is mostly related to routine non-OBGYN checkups, and is seen generally in each women and men. For underwriting, this could typically be thought-about a low-risk code and will point out an applicant who’s energetic in sustaining his or her well being.
Problems of lipoprotein metabolism and different lipidemias
Lipid metabolism problems have an effect on the conversion of lipids into power, oftentimes inflicting dangerous quantities of lipids to construct up within the physique. These build-ups may end up in cell and tissue harm within the mind, nervous system, liver, spleen and bone marrow. In laymen’s phrases, that is the commonest code for top ldl cholesterol and is usually related to lipid panel (complete ldl cholesterol, HDL, triglycerides, and many others.) outcomes.
Encounter for different particular examination with out criticism, suspected or reported prognosis
In our information, these nearly solely point out OBGYN encounters involving pap smears. This code can be utilized to seize encounters associated to dental, imaginative and prescient and listening to; nevertheless these don’t generate laboratory/tissue specimens. Pap smears are the commonest tissue pathology ends in the LabPiQture database and are sometimes accompanied by HPV (a virus linked to cervical most cancers) screens.
Important (main) hypertension
That is hypertension that doesn’t have a recognized secondary trigger and tends to develop progressively over a few years. Threat components of main hypertension embrace age, weight, household historical past and tobacco use. Problems could embrace coronary heart assault or stroke, aneurysm, coronary heart failure, and metabolic syndrome—which will increase the prospect of creating diabetes.
Encounter for screening for infectious and parasitic ailments
This encounter can denote screenings for numerous bacterial or viral ailments, similar to tuberculosis and HIV. As a screening code, this header is most frequently related to STD (together with HPV) panels. Within the massive majority of circumstances (as in HPV and prenatal screens), these are routine checks with comparatively low positivity charges. In sure subpopulations, nevertheless, this code will be suggestive of high-risk conduct, together with intravenous drug use.
Different frequent diagnoses in feminine life insurance coverage candidates
Insurers must also pay attention to extra diagnoses amongst
feminine life insurance coverage candidates, similar to the next.
(E03) Different hypothyroidism – 13.6%
(E11) Sort 2 diabetes mellitus – 10.8%
(R73) Elevated blood glucose degree – 9.0%
(E66) Obese and weight problems – 5.4%
This statistic is fascinating to notice for insurers, particularly since an ExamOne examine discovered a notable fee of weight problems nondisclosure in feminine candidates.
Abstract of the analyzed inhabitants
In our evaluation of the commonest diagnoses in feminine life insurance coverage candidates, the imply age of a feminine applicant with a LabPiQture hit was 45. The imply encounter depend for a feminine hit was 19, however this conceals a considerable degree of variation. The median encounter depend was 10, whereas 13% of hits concerned solely a single encounter, and 1% of hits concerned 73 or extra distinctive testing occasions.
Gathering a complete well being image of your candidates
Laboratory historical past information is usually a invaluable useful resource for insurers figuring out applicant well being threat. When evaluating any such prognosis information, it’s additionally essential to keep in mind that some codes are tentative, or ruled-out by subsequent testing, and don’t all the time affirm the present presence of a illness. That is the place extra well being information sources can additional inform or affirm suspected circumstances.