Background and aims: The majority of patients with inflammatory bowel disease (IBD) have a normal life expectancy and therefore should not be weighted when applying for life assurance. There is scant literature on this topic. In this study our aim was to document and compare the incidence of difficulties in application for life and medical insurance in a population based cohort of IBD patients ...

Com a tècnica suposadament nascuda al segle XVIII, la pràctica d’assegurar vida és un tema que encara roman per investigar. En aquest article es demostra contractació d’assegurances de era ja habitual Espanya dos segles abans. sentit, s’estudia legislació existent, especialment les Ordenances Contractació d’Assegurances del Consolat Castella Bruges 1568, però sobretot nombroses pòlisses conserv...

The diagnosis, management, and implications of gestational diabetes mellitus (GDM) remain areas of controversy. The International Association of the Diabetes and Pregnancy Study Groups (1) suggested new diagnostic criteria based on the results of the Hyperglycemia and Adverse Pregnancy Outcome Study (2). These criteria have been adopted by the World Health Organization (3), but the National Ins...

The role of probabilistic models in the debate over genetics and insurance is discussed. A Markov model is used to show that, under quite extreme assumptions, adverse selection in life insurance ought to be controllable. The statistical problems of estimating small differences in mortality are discussed; these might limit the use of many genetic disorders as rating factors. The influence of the...

Premiums and benefits associated with traditional life insurance contracts are usually specified as fixed amounts in policy conditions. However, reserve-dependent surrender values and reserve-dependent expenses are common in insurance practice. The famous Cantelli theorem in life insurance ensures that under appropriate assumptions surrendering can be ignored in reserve calculations provided th...