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HomeLife Insurance5 frequent diagnoses in feminine life insurance coverage candidates' laboratory historical past

5 frequent diagnoses in feminine life insurance coverage candidates’ laboratory historical past


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 offers fast entry to physician-ordered laboratory testing outcomes, it verifies applicant self-reported medical disclosure, and it might cut back prices as a attainable various to an Attending Doctor Assertion order. Discover out among the advantages of utilizing this information within the underwriting course of.

LabPiQture™, ExamOne’s distinctive laboratory testing outcomes database, offers 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 recognized in feminine life insurance coverage candidates.

Prime 5 diagnoses present in historic laboratory stories of feminine life insurance coverage candidates

top-diagnoses-female-life-insurance-applicant

Encounter for common examination with out criticism, suspected or reported prognosis
This encounter captures most common 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 may usually be thought of 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 vitality, oftentimes inflicting dangerous quantities of lipids to construct up within the physique. These build-ups can lead to cell and tissue injury within the mind, nervous system, liver, spleen and bone marrow. In laymen’s phrases, that is the commonest code for prime ldl cholesterol and is mostly related to lipid panel (complete ldl cholesterol, HDL, triglycerides, and so forth.) 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; nonetheless these don’t generate laboratory/tissue specimens. Pap smears are the commonest tissue pathology leads to 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 identified secondary trigger and tends to develop step by step over a few years. Threat elements of main hypertension embrace age, weight, household historical past and tobacco use. Problems might embrace coronary heart assault or stroke, aneurysm, coronary heart failure, and metabolic syndrome—which will increase the possibility of growing diabetes.

Encounter for screening for infectious and parasitic illnesses
This encounter can denote screenings for varied bacterial or viral illnesses, comparable to tuberculosis and HIV. As a screening code, this header is most frequently related to STD (together with HPV) panels. Within the giant majority of circumstances (as in HPV and prenatal screens), these are routine exams with comparatively low positivity charges. In sure subpopulations, nonetheless, this code could be suggestive of high-risk conduct, together with intravenous drug use.

Different frequent diagnoses in feminine life insurance coverage candidates

Insurers also needs to concentrate on extra diagnoses amongst
feminine life insurance coverage candidates, comparable 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 research discovered a notable charge of weight problems nondisclosure in feminine candidates.

female-applicant-obesity-nondisclosure

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 rely for a feminine hit was 19, however this conceals a considerable degree of variation. The median encounter rely 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 generally is a priceless useful resource for insurers figuring out applicant well being threat. When evaluating one of these prognosis information, it’s additionally necessary to do not forget that some codes are tentative, or ruled-out by subsequent testing, and don’t at all times affirm the present presence of a illness. That is the place extra well being information sources can additional inform or affirm suspected circumstances.

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