Journal of Insurance Medicine: Vol. 35, No. 2, pp. 102–113
.Abdelouahed Naslafkih, MD, MSc
and François Sestier, MD, PhD, FACC
Objective.—To investigate the rates of complications, hospitalizations and disabilities
attributable to type 1 and type 2 diabetes mellitus (DM) combined, unless otherwise noted.
Methodology.—Risk assessment of DM-related morbidity, hospitalizations and disabilities
using data from the medical literature and health statistics on the population. Calculation of morbidity, hospitalization, and disability ratios (MbR, HR, DR) will allow comparison of
observed rates in people with DM to those reported in the nondiabetic population.
Results.—MbRs vary according to the morbid condition studied: 300% at age 45–64 years
for ischemic heart disease, 533% for coronary heart disease or stroke, 226% to 388% for chronic
heart failure, 560% for peripheral vascular disease, 380% for neuropathy at age 35–74 years,
890% to 2225% for lower limb amputations, 1458% to 3287% for end-stage renal disease. For
ocular complications: cataracts, 165% to 232%; glaucoma 140% to 330%; trouble seeing, 180%
to 231%; blindness at age 65 years, 517%. Higher values are noted at younger ages. HR: 200%
to 409%. DR: 217% to 328%.
Conclusion.—Among diseases, DM is one of the leading and growing causes of hospital
admission and disability. Precise risk assessment of morbidity is essential for realistic
underwriting of health and disability insurance.