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睡眠時無呼吸症候群と生命保険

久しぶりの睡眠時無呼吸症候群ネタ。

この間から、今まで入っていた生命保険の見直しをしていたのである。
いろいろと検討をしていくつか申し込んだところ、実はあるところから断られたのだ。

しかも、断ってきた理由が納得いかない。
「まだ病気として認められて日が浅いので長期的なリスクが判断できない」というのが理由なのだが、おまえはなんなのだ?といいたいのだ。
こっちとしては、きちんと診察を受けて適切な処置(手術)をして、医師から「もはや治療の必要なし」と認められているのだよ。しかも、当面は別に命には別状がないところ(睡眠時無呼吸症候群というのは、それ自体では別に命の危険性がある物ではない)、「長期的にかんがえると、合併症の発症リスクが格段に減ることになります」「今の年代で、この病気から離れることが出来るというのはとてもよいことだと思いますよ」という医師の薦めに従っての処置だったのだ。 

なのに、なぜ「リスクが不明」という理由で断るのだ? 
きちんとした治療を受けている以上、疾病の性格からいってリスクが低くなることはあるにしろ高くなる事は考えられないだろう。
そもそも、睡眠時無呼吸症候群と診断されていないだけで睡眠時無呼吸症候群の潜在的な患者というのは非常に多くいると思うのだ。 なのに、きちんと処置を受けてすでにその病気であると判断されることが無くなっている人間が保険にはいることが出来なくなってしまうというのは非常に納得がいかない。 
その病気であると「診断」されていなければ、たとえその病気と同様の症状が出ていたとしても保険には入れてしまうのだ。 本末転倒だろう。

将来長期的なリスクを論じた場合には、兆候に気が付かず診察もせず治療もせずに放置をしたまま年月が経つ方がよっぽどリスクが高いのでないだろうか。

ということで、
睡眠時無呼吸症候群と診断された人間は、たとえ手術等を行い症状が改善され、該当疾病と診断される基準検査数値を下回るようになってたとしても、現状ではソニー生命には入れません。

ということで、別な保険にはいるための診断書をもらいに、昨夕は久しぶりに横浜の呼吸器クリニックに行ってきた。

そんなことを先生と話をしていたら、
「ええ、そうなんですよ。ソニー生命は入れないんですよね。保険会社の人に何度説明しても、全然理解しなかったので、その場で私もソニー生命を解約しました」と先生自身が語っていた(笑)

ははは、そりゃ失礼だよな。 自分が治療している患者の症状が改善されているのに、「将来的なリスクがわからない」といってたんじゃぁ・・・・。

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「睡眠時無呼吸症候群」カテゴリの記事

Comments

初めまして。
ちょっと訳あって睡眠時無呼吸症と生命保険の事を調べていたら、こちらにヒットしました。

本当にあなたのおっしゃるとおりだと思います。

無呼吸と診断されてマスクを装着して睡眠の質が改善されているのに、保険会社に拒否されるってのは納得できないですよね(怒)
病院に行っていない無呼吸の人ってかなり多いと思うんです。
うちの旦那が無呼吸なんですが、「病院に行かなければ良かった」と言っていまして、それっておかしいですよね!!!

なんだか私まで憂鬱です。
ごめんなさい。暗い書き込みで(苦笑)

Posted by: レインボー | 2005.11.21 at 12:39 AM

こんにちは。レインボーさん。

うん。このケースは実に納得いかなかったですね。 他にも、入ると保険料が高くなりますとも言われましたし、入れても非喫煙者割引は使えませんと言われたり・・・

まったく、治療が終了している人間と喫煙者とどっちがリスク高いんだ!と思いますよ。
常識で考えてもわかりそうなもんだが・・・。

で、この話は後日談がありまして、とりあえず入れないなら仕方がないと言うことで現在は別なところに入っています。で、疾病の申告は申込日から遡って5年以内にかかった疾病なので、5年たったらその事については何も言わずにもう一度申し込もうと言うことにしています。 法律的にはなんにも問題は無いとのこと。

まぁ、その時の保険料次第ですけどね・・・。

Posted by: osapooh | 2005.11.21 at 10:15 AM

こんにちは。
同じく無呼吸症候群と生命保険の関係について、
調べていたところ、このブログにヒットしました。
このことについては、厚生労働省のホームページを通して、無呼吸症候群の人がそのことによって、生命保険に入会が出来なくなることがないように、関係生命保険会社を指導して頂くよう、意見・要望として出しておきました。
直ぐ動いてくれるかどうか不明ですが、
期待したいと思います。

もし無呼吸の人は生命保険に入れなくなると世間で公になったら、誰もわざわざ高い検査入院代を払って検査などしなくなりますからね。

Posted by: fukuda | 2006.01.16 at 01:54 PM

こんにちは。

なんと、厚生労働省への直接アプローチですか?パチパチパチ! 僕もやろうかな。

実態としては、保険会社の勘違い・誤解・無理解に近いことだと思うので、いろいろと声を上げていかなくてはいけないですよね。

ただ、「すべての保険に入れない」と言うことではないんですよ。 たまたま該当する保険会社からは断られただけで、別に保険会社は他にもあって、割引率は若干悪いのの現在は別なところに入っていますから。

それよりも、保険会社にとって見たら戦略上本当は不利なんですよね。 というのも、治療する前の僕と治療したあとの僕とでは、治療前の僕だけが入れるわけです。でも、治療する前の僕は治療したあとの僕とくらべてリスクが高いので、この保険会社は高いリスクを安い掛け金で抱えることになる。 それは、保険会社にとってもリスクなんですよね。

しかも、こうやってリスクの低い顧客の方をみすみす他社にとられているわけだから、マイナスきわまりない状況です。

さらに、睡眠時無呼吸症候群の患者というのも何万人規模でいて、潜在的人数はさらに多いと考えると、それだけでも相当なマーケットになっているはずなので本当に不利・機会損失をしているのは保険会社なんじゃないでしょうかねぇ?

Posted by: osapooh | 2006.01.16 at 03:11 PM

私も○民共済の掛け捨て入院保険の加入を断られました。自己申告で気楽に入れるのがメリットなのに、自己申告でSASを理由に断られました。SASについて説明しても、全くの無知無理解で、話にならなかったです。

SAS完治のあと、完治証明書とSASに起因する今後の疾病については保険対象外とするなら、一番安い保険なら加入審査はしてくれるそうです。それ以外はダメ(門前払い)。

毎月の通院と治療代5000円を払いつづけた挙句、保険会社からは門前払い。バカ臭くてやってらんないです。
SASはダイエットも効果あってほとんど治ってるんで、この際、治療もやめてしまおうかと思ってます。

Posted by: | 2006.02.21 at 03:57 PM

睡眠時無呼吸症候群はいわゆる「完治」はしないです。

僕も医者に証明書をもらいに行ったときに言われたのですが、「完治」ではなく「現状治療の必要はない」状態にあるという証明にしかならないらしいですね。

なので、上の記事でも「完治」という言葉は使っていません。

でも「SASに起因する今後の疾病については保険対象外とするなら・・・」ってのも、ひどい話ですね。 将来、どんな病気になってもすべてSASに起因していると判断されたら、掛け金を払っていても保険会社の判断で保険金が払われないことになりますよね。 

保険会社というのも勝手な物です。

やっぱり、一端治療の必要がないところまでに持って行ってそれから5年たってから自己申告(自己申告は5年以内の疾病ですから5年以前の物には申告しなくても良い)で入り直すという感じかしかないのでないでしょうか?

保険や治療の場合は、勝手な判断でやめたり変更したりすると、後から面倒になるケースが多いですよ。

勝手に治療をやめておいて、申告時に何も申告をしないまま保険に入ったとしても、保険金の申請時に病歴を確認されて申告内容と異なっていたら、虚偽申告とされて保険金が一切でないこともあり得ます。

僕は「あなたの保険を見直します!」といってくれている保険アドバイザーにかなりお世話になりました。

一度、相談してみてはいかがですが?いろんなケースを知っているので、きっと役に立つと思います。

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