{"title":"主要事故保险案件在多大程度上代表了所有重大伤者?瑞士单中心视角。","authors":"Thomas Gross, Sabrina Morell, Felix Amsler","doi":"10.17849/insm-48-1-1-14.1","DOIUrl":null,"url":null,"abstract":"<p><p><b>Background and Objectives.-</b>Even though Switzerland has a compulsory insurance system, there is a lack of detailed information on the treatment and outcome following trauma. The objective of this evaluation was to examine to what extent cases insured by the largest accident-insurer (Suva) are representative of all significantly injured. <b>Methods.-</b>Trauma center analysis of all ≥16 year old trauma patients with a New Injury Severity Score (NISS) ≥8, comparing the characteristics of Suva- vs non-Suva cases (chi-square; univariate explained variance R<sup>2</sup>; multivariate logistic regression analysis, Nagelkerke R<sup>2</sup>). <b>Results.-</b>Over 7 years, 2233 trauma patients were treated at the hospital, of whom 29.4% were Suva-insured. Compared to non-Suva-insured, Suva cases were younger (41.6 vs 64.2, R<sup>2</sup> = 0.23) and more often male (88.0% vs 59.4%; R<sup>2</sup> = 0.08). In multivariate analysis, these two factors together explained 37.5% of the differences between groups. No other investigated factor explained more than 2%. If only those patients of obligatory working age were analyzed (n = 1264), Suva cases (50.6%) were more often male than non-Suva-insured (n = 562 [87.8%] vs n = 393 [63.0%], resp.; p<0.001, R<sup>2</sup> = 0.08). In multivariate analysis, other factors taken together were only 2.6% of the variance. <b>Conclusions.-</b>Significantly injured patients in Switzerland may be considered comparable from a statistical point of view whether insured by the main accident-insurer or not, provided groups are adequately controlled for age and gender. Other differences appear to be only marginal. Respecting these limitations such data can justifiably be given as Swiss reference statistics and the relevant insurer outcome information used for international comparison.</p>","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":null,"pages":null},"PeriodicalIF":0.0000,"publicationDate":"2019-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"3","resultStr":"{\"title\":\"To What Extent Are Main Accident-Insurer Cases Representative of All Significantly Injured? A Swiss Monocenter Perspective.\",\"authors\":\"Thomas Gross, Sabrina Morell, Felix Amsler\",\"doi\":\"10.17849/insm-48-1-1-14.1\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"<p><p><b>Background and Objectives.-</b>Even though Switzerland has a compulsory insurance system, there is a lack of detailed information on the treatment and outcome following trauma. The objective of this evaluation was to examine to what extent cases insured by the largest accident-insurer (Suva) are representative of all significantly injured. <b>Methods.-</b>Trauma center analysis of all ≥16 year old trauma patients with a New Injury Severity Score (NISS) ≥8, comparing the characteristics of Suva- vs non-Suva cases (chi-square; univariate explained variance R<sup>2</sup>; multivariate logistic regression analysis, Nagelkerke R<sup>2</sup>). <b>Results.-</b>Over 7 years, 2233 trauma patients were treated at the hospital, of whom 29.4% were Suva-insured. Compared to non-Suva-insured, Suva cases were younger (41.6 vs 64.2, R<sup>2</sup> = 0.23) and more often male (88.0% vs 59.4%; R<sup>2</sup> = 0.08). In multivariate analysis, these two factors together explained 37.5% of the differences between groups. No other investigated factor explained more than 2%. If only those patients of obligatory working age were analyzed (n = 1264), Suva cases (50.6%) were more often male than non-Suva-insured (n = 562 [87.8%] vs n = 393 [63.0%], resp.; p<0.001, R<sup>2</sup> = 0.08). In multivariate analysis, other factors taken together were only 2.6% of the variance. <b>Conclusions.-</b>Significantly injured patients in Switzerland may be considered comparable from a statistical point of view whether insured by the main accident-insurer or not, provided groups are adequately controlled for age and gender. Other differences appear to be only marginal. Respecting these limitations such data can justifiably be given as Swiss reference statistics and the relevant insurer outcome information used for international comparison.</p>\",\"PeriodicalId\":39345,\"journal\":{\"name\":\"Journal of insurance medicine (New York, N.Y.)\",\"volume\":null,\"pages\":null},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2019-01-01\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"3\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Journal of insurance medicine (New York, N.Y.)\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.17849/insm-48-1-1-14.1\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"2019/4/24 0:00:00\",\"PubModel\":\"Epub\",\"JCR\":\"Q3\",\"JCRName\":\"Medicine\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Journal of insurance medicine (New York, N.Y.)","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.17849/insm-48-1-1-14.1","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"2019/4/24 0:00:00","PubModel":"Epub","JCR":"Q3","JCRName":"Medicine","Score":null,"Total":0}
引用次数: 3
摘要
背景和目标。-尽管瑞士有强制保险制度,但缺乏关于创伤后治疗和结果的详细信息。本次评估的目的是检查最大的事故保险公司(苏瓦)承保的案件在多大程度上代表了所有重大受伤。方法。-创伤中心分析所有≥16岁新损伤严重程度评分(NISS)≥8的创伤患者,比较Suva与非Suva病例的特征(卡方;单变量解释方差R2;多元logistic回归分析,Nagelkerke R2)。结果。- 7年来,医院治疗了2233名创伤患者,其中29.4%参加了suva保险。与未投保Suva的患者相比,Suva患者更年轻(41.6 vs 64.2, R2 = 0.23),男性患者更多(88.0% vs 59.4%;R2 = 0.08)。在多变量分析中,这两个因素共同解释了37.5%的组间差异。没有其他被调查的因素解释超过2%。如果只分析达到法定工作年龄的患者(n = 1264), Suva患者(50.6%)男性多于非Suva患者(n = 562 [87.8%] vs . n = 393 [63.0%];P2 = 0.08)。在多变量分析中,其他因素加在一起仅占方差的2.6%。结论。-从统计角度来看,瑞士的严重受伤患者无论是否由主要事故保险公司投保,都可以被认为具有可比性,前提是对各组的年龄和性别进行充分控制。其他差异似乎微不足道。考虑到这些限制,这些数据可以合理地作为瑞士参考统计数据和用于国际比较的相关保险公司结果信息。
To What Extent Are Main Accident-Insurer Cases Representative of All Significantly Injured? A Swiss Monocenter Perspective.
Background and Objectives.-Even though Switzerland has a compulsory insurance system, there is a lack of detailed information on the treatment and outcome following trauma. The objective of this evaluation was to examine to what extent cases insured by the largest accident-insurer (Suva) are representative of all significantly injured. Methods.-Trauma center analysis of all ≥16 year old trauma patients with a New Injury Severity Score (NISS) ≥8, comparing the characteristics of Suva- vs non-Suva cases (chi-square; univariate explained variance R2; multivariate logistic regression analysis, Nagelkerke R2). Results.-Over 7 years, 2233 trauma patients were treated at the hospital, of whom 29.4% were Suva-insured. Compared to non-Suva-insured, Suva cases were younger (41.6 vs 64.2, R2 = 0.23) and more often male (88.0% vs 59.4%; R2 = 0.08). In multivariate analysis, these two factors together explained 37.5% of the differences between groups. No other investigated factor explained more than 2%. If only those patients of obligatory working age were analyzed (n = 1264), Suva cases (50.6%) were more often male than non-Suva-insured (n = 562 [87.8%] vs n = 393 [63.0%], resp.; p<0.001, R2 = 0.08). In multivariate analysis, other factors taken together were only 2.6% of the variance. Conclusions.-Significantly injured patients in Switzerland may be considered comparable from a statistical point of view whether insured by the main accident-insurer or not, provided groups are adequately controlled for age and gender. Other differences appear to be only marginal. Respecting these limitations such data can justifiably be given as Swiss reference statistics and the relevant insurer outcome information used for international comparison.
期刊介绍:
The Journal of Insurance Medicine is a peer reviewed scientific journal sponsored by the American Academy of Insurance Medicine, and is published quarterly. Subscriptions to the Journal of Insurance Medicine are included in your AAIM membership.