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随着全球糖尿病的发病率、病死率逐年上升的趋势,糖尿病成为严重影响人群健康的主要疾病之一。我国糖尿病具有患病率和病死率增速快的流行趋势,同时存在糖尿病患者的检出率、病情知晓率、血糖控制率低,及并发症风险高等特点,这些因素有可能会对提高寿险公司的运营成本和死差异风险产生影响。需要核保人员在了解糖尿病在我国流行趋势的基础上,培养前瞻性思维,提高糖尿病诊断和相关并发症的分析能力。
With the global diabetes incidence and mortality increasing year by year, diabetes has become one of the major diseases that seriously affect people’s health. Diabetes in our country has a prevalence trend of rapid increase in morbidity and mortality, with the detection rate of diabetic patients, the awareness of the disease, the low rate of glycemic control, and the high risk of complications. These factors may increase the risk of life insurance companies The operating costs and the risk of differential impact have an impact. The need for underwriting staff understanding of diabetes in our country based on the trend, to develop forward thinking, improve the diagnosis of diabetes and related complications analysis.