Laura Iveth Aburto Barrera , Anna Nicolet , Christophe Bagnoud , Joachim Marti , Joël Wagner
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引用次数: 0
Abstract
Multimorbidity, multiple long-term health conditions co-occurring in one individual, is a complex challenge that affects individuals, healthcare systems, and society. People with multimorbidity have a lower quality of life, higher mortality, and more complex needs and holistic treatments, resulting in higher health insurance and overall healthcare costs. Our study aims to investigate the progression of multimorbidity by identifying the main disease patterns in the adult population. Using an extensive dataset of health insurance claims from one of the largest Swiss health insurance companies, we categorize chronic long-term diseases into different pharmacy cost groups based on a medical classification system to assess the morbidity status of insureds. Developing on a competing risks framework, we use subdistribution hazard models adjusted for age effects to model key multimorbidity patterns, considering the most prevalent chronic diseases in the population. Our analysis focuses on estimating cumulative incidence functions for gender-specific trajectories. By shedding light on these patterns, our study contributes to a deeper understanding of multimorbidity dynamics and potential patient pathways. It provides information for decision-makers, financial planners, and healthcare professionals to enable optimal resource allocation and facilitate prevention and interventions tailored to the needs of various morbidity groups to reduce the disease burden and economic impact.
期刊介绍:
Insurance: Mathematics and Economics publishes leading research spanning all fields of actuarial science research. It appears six times per year and is the largest journal in actuarial science research around the world.
Insurance: Mathematics and Economics is an international academic journal that aims to strengthen the communication between individuals and groups who develop and apply research results in actuarial science. The journal feels a particular obligation to facilitate closer cooperation between those who conduct research in insurance mathematics and quantitative insurance economics, and practicing actuaries who are interested in the implementation of the results. To this purpose, Insurance: Mathematics and Economics publishes high-quality articles of broad international interest, concerned with either the theory of insurance mathematics and quantitative insurance economics or the inventive application of it, including empirical or experimental results. Articles that combine several of these aspects are particularly considered.