Health and life insurance-related problems in very long-term cancer survivors in Germany: a population-based study
Autor: | Bernd Holleczek, Ron Pritzkuleit, Lena Koch-Gallenkamp, Volker Arndt, Daniela Doege, Melissa S Y Thong, Alice Nennecke, Linda Weißer, Andrea Eberle, Sylke Ruth Zeissig, Michael Schlander, Hermann Brenner, Annika Waldmann, Heike Bertram |
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Přispěvatelé: | APH - Aging & Later Life, APH - Mental Health |
Rok vydání: | 2021 |
Předmět: |
Male
Cancer Research medicine.medical_specialty Insurance problems Cancer survivors Population Breast Neoplasms Population-based Logistic regression Insurance Selection Bias Financial toxicity Odds Statutory law Life insurance Germany Surveys and Questionnaires Medicine Humans education Aged education.field_of_study Insurance Health Long-Term Cancer Survivors business.industry Cancer Prostatic Neoplasms General Medicine Middle Aged medicine.disease Population based study Insurance Life Oncology Family medicine Female sense organs business Colorectal Neoplasms Original Article – Cancer Research |
Zdroj: | Journal of Cancer Research and Clinical Oncology Journal of cancer research and clinical oncology, 148(1), 155-162. Springer Verlag Journal of cancer research and clinical oncology, 148(1):155-162 |
ISSN: | 1432-1335 0171-5216 |
Popis: | Purpose Limited research suggests that cancer survivors have problems with insurance. Our study aimed to gain insight into the proportion of very long-term (14–24 years post-diagnosis) survivors of breast, colorectal, and prostate cancers who had problems with health (HI) and life (LI) insurance. Methods We used data from CAESAR (CAncEr Survivorship—A multi-Regional population-based study). Participants completed questions on change in insurance providers since cancer diagnosis, problems with requesting (additional) HI or LI, and how potential problems were resolved. We conducted logistic regression to determine factors associated with change in statutory HI. Results Of the 2714 respondents, 174 (6%) reported having changed HI providers. Most switched between different statutory HI providers (86%), 9% from statutory to private, and 5% from private to statutory. Respondents who changed statutory HI providers were more likely to be prostate cancer survivors (OR 2.79, 95% CI 1.01–7.68) while being ≥ 65 years at time of diagnosis (OR 0.58, 95% CI 0.35–0.96) and having ≥ 2 comorbid conditions (OR 0.61, 95% CI 0.40–0.92) were associated with reduced odds for change. Problems in changing HI were minimal and were resolved with additional contribution. Of the 310 respondents who tried to get LI, 25 respondents reported having difficulties, of whom the majority had their request rejected. Conclusion Most cancer survivors did not change their HI nor tried to buy LI after cancer diagnosis. Problems with changing statutory HI were generally resolved with additional contribution while the main problem encountered when buying LI was rejection of request. |
Databáze: | OpenAIRE |
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