Schwer objektivierbare Erkrankungen aus der Sicht der
Versicherungsmedizin
Leider ist der Artikel nicht im Volltext und nur als
englischsprachiges Abstract einsehbar.
Contentious diseases--a medico-social phenomenon from an insurance
medicine perspective
[Article in German]
Versicherungsmedizin. 2008 Mar 1;60(1):3-7.
Regenauer A.
Kompetenzzentrum Medical Research & Underwriting, Münchener
Rückversicherunga-Gesellschaft.
A group of illnesses that are difficult to assess objectively,
comprising such conditions as fibromyalgia, chronic fatigue syndrome,
attention-deficit hyperactivity disorder, whiplash injury, and last
but not least a multitude of somatoform disorders, has become a
growing concern to Western health care systems and insurance
industries. Thus far, the medical literature has failed to provide
informative overviews of this group, which at first glance admittedly
seems to be rather heterogeneous. If at all, the disorders have been
grouped together under the term ,,controversial illnesses" to
differentiate them from other diseases. The insurance industry - and
claims departments, in particular - are increasingly having to deal
with this rapidly growing phenomenon, which affects not only life
business, but also health, worker's compensation and motor third-
party liability. When paying compensation and settling claims,
insurers are often left with a feeling that the illness may have
been ,,imaginary" or aggravated. Is there a common basis for this new
disorder mega-trend - independent of the recognition of the
conditions by medical associations? This article aims at providing an
overview of the common characteristics of the group of disorders,
including a description of the key physical, psychological and social
aspects. In particular, it is intended to deepen insurers'
understanding of the risks arising from social change. The article
also examines the disorder prevalence in Western societies and the
possible causes of the significant increase.
http://www.ncbi.nlm.nih.gov/pubmed/18405228?dopt=AbstractPlus