68-6

45/104

a)CPAP: continuous positive airway pressureCompanyIt is difficult to check individual compliance with treatment such as CPAP.#1No data on SAS are accumulated in the company.We sometimes accept the application on special conditions or sometimes deny the application even if customers have a disease under treatment or have a medical history that is considered to have a relatively good clinical prognosis.#2#3We do not accept any application of people under treatment not limited to SAS.#4We make a decision for acceptance individually according to symptoms, etc.,Underlying diseases such as obesity and hypertension are likely to be present. In addition, there is an issue of continuation of (compliance with) CPAP treatment.It is difficult to predict the status of subsequent long-term treatment and the status of continuation at the time of accepting the application.Since the treatment is conducted in a self-management manner, it is not possible to determine whether or not the treatment is performed accurately or whether or not the effect is increased.#5#6#7#8#9#10#11#12Table 2　Reasons for not accepting the application of patients with SAS on CPAPa) treatment, etc. in the same way as healthy individuals20092015We decide that there is a risk in the first 6 months. We accept patients for CPAP treatment after 7 months of treatment for insurance of death, severe disability, etc., in the same way as healthy individuals.The start of CPAP treatment does not mean the confirmation of the final treatment effect. So, we cannot accept the application.CPAP is a symptomatic treatment and requires a device to be worn at bedtime every night (= needs efforts to encourage the insured to continue treatment). Therefore, we consider it necessary to make certain careful decisions on the acceptance of the application for life insurance which is characterized by long-term insurance coverage.The criteria have been established based on past statistics, accident occurrence data, etc.Since CPAP is a treatment, we will not accept it as a standard case. However, since the risk of onset is considered to be low, it is handled with extra premium.The decision of acceptance may be strict, as there are patients who discontinue the use of CPAP at the start of treatment because it does not suit them or those who cannot use CPAP appropriately.We limit the amount of compensation for a certain period after acceptance.It is handled as a disease without distinguishing it from other diseases.It is assessed considering treatment compliance, risks, etc.2021609