Annals of Life Insurance Medicine: Volume 4 by H. W. Kreis (auth.)

By H. W. Kreis (auth.)

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Extra resources for Annals of Life Insurance Medicine: Volume 4

Sample text

Impairments An impairment means any deviation in the present condition (status praesens) of the life assured, his previous diseases (anamnesis) or his family history (heredity) from the norm. 1, the final number 0 is only used if the impairment cannot be more precisely described. Furthermore a fourth number records the time of the impairment. With an X punch above this last number it is shown whether the malady has been treated or not, or whether or not an operation has been performed. H. W. 1.

Underweight w. f. i. 11 0 Special signs and symptoms of disease 1 Increased erythrocyte sedimentation rate 2 Other special laboratory findings (not separately listed below), regarding blood, circulation, respiration, digestion, urine, cerebrospinal fluid 3 Oedemas of unknown origin 4 Difficult respiration 5 Glandular swellings 6 Haemoptysis of unknown aetiology 7 Sleeplessness 8 Pollakisuria 9 Clubbed fingers 12 0 Intemperance; addiction 1 Abuse of nicotine, moderate 2 Abuse of nicotine, heavy 3 Abuse of alcohol, moderate 4 Abuse of alcohol, heavy 5 Opium, cannabis (hashish, marihuana) and heroin addiction 6 Morphinism 7 Cocainism 8 Abuse of medicaments 13 0 1 2 3 4 5 6 7 8 9 Doubts concerning occupation, environment or character Unhealthy or dangerous occupation Heavy professional stress (managerial type) Unhealthy living conditions Unfavourable environment or family conditions Residence in unfavourable climate (not permanent) Bad reputation or character Bad financial circumstances Suspicion that assurance is speculative Hazardous avocations Deformities of skeleton; malformations (e.

1, the same person can figure in more than one impairment group. Consequently we have not added a totals column, but show the shares of individual groups of causes of death for standard risks in column 1 in accordance with table XXVI. 4. 1. 4 are compatible with or contradictory to the multiple table hypothesis. In so doing we shall bear in mind the comments made by ]ECKLIN: "However, nowhere is it claimed that the constant multiplicative extra mortality method corresponds generally to the actual mortality of increased risks.

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