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PubMed1997

Diabetes and accident insurance. A 3-year follow-up of 7,599 insured diabetic individuals.

OBJECTIVE: Individuals with diabetes pay increased premiums and experience limited coverage when taking out accident insurance, despite the lack of scientific support for this practice. The aim of the present study was to analyze whether diabetic individuals have an increased risk of accident or an increased risk of permanent disability after an accident, compared with two nondiabetic groups. RESEARCH DESIGN AND METHODS: All diabetic members of the Danish Diabetes Association were given free accident insurance for a 3-year period. Based on informed consent, they were also asked to participate in a follow-up study, comparing accident rates in diabetic individuals with a nondiabetic group. A total of 7,599 diabetic members accepted. The control groups were 1) individuals with a leisure-time insurance in the same company (individual issue) and 2) members of full-time group-based insurance (bank employees) in the same company. RESULTS: The risk of accidents was 0.7 per 1,000 person-years in the diabetic group, compared with 4.5 per 1,000 person-years in the first and 5.5 per 1,000 person-years in the second nondiabetic control group (P < 0.001). The degree of permanent injury did not differ between the diabetic and the nondiabetic group. CONCLUSIONS: The risk of accidents and permanent disability is not increased in diabetic individuals. Thus, diabetic individuals should be offered accident insurance at a standard premium without limited coverage.

Accidents↗
PubMed1997

[Tasks of case managers in statutory accident insurance].

The present article gives an outline of vocational rehabilitation in the Federal Republic of Germany from the perspective of the statutory accident insurance scheme. Termed "Berufshilfe", occupational assistance, the services and benefits provided under the scheme also encompass elements of medical and social rehabilitation of persons who have incurred an industrial injury or occupational disease. Given the scheme's comprehensive catalog of benefits and services, a multitude of possibilities result for assistance to eligible workers and their relatives, which are illustrated by examples. Central to the presentation is the work of the "Berufshelfer", the accident insurance agency's case manager for vocational rehabilitation service provision. Along with competence of the accident insurance agency for medical, vocational and social rehabilitation, this case manager is the point of contact for all those involved in rehabilitation in the individual case, hence in particular for the individual affected, his or her relatives, physicians, rehabilitation facilities, employers as well as third parties, moreover being the point of liaison among these various parties and the administration. The primary objective of these entire efforts is to achieve lasting reintegration of people with physical or emotional disablement in employment, career, and society.

Accidents, Occupational↗
PubMed1981

[Industrial medical activities of SUVA (Swiss Accident Insurance Agency)].

The group of occupational medicine of the Swiss Accident Insurance Fund (Suva) fulfills functions of standardizing, e.g. setting TLVs, of insurance medicine, i.e. judging cases of occupational disease and, to a great extent, of medical prevention. By means of 100,000 examinations per year and 40 programs, 330,000 employees in 20,000 enterprises are attended. This is not a general provision of public health, but a specific prevention of occupational diseases. The examinations of aptitude at the time of engagement and in periodical controls, help to clarify the fitness for certain dangerous occupations and to detect potential early stages of occupational diseases.

Insurance, Accident↗