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.

Workers' compensation insurer risk control systems: Opportunities for public health collaborations.

INTRODUCTION: Workers' compensation (WC) insurers offer services and programs for prospective client selection and insured client risk control (RC) purposes. Toward these aims, insurers collect employer data that may include information on types of hazards present in the workplace, safety and health programs and controls in place to prevent injury/illness, and return-to-work programs to reduce injury/illness severity. Despite the potential impact of RC systems on workplace safety and health and the use of RC data in guiding prevention efforts, few research studies on the types of RC services provided to employers or the RC data collected have been published in the peer-reviewed literature. METHODS: Researchers conducted voluntary interviews with nine private and state-fund WC insurers to collect qualitative information on RC data and systems. RESULTS: Insurers provided information describing their RC data, tools, and practices. Unique practices as well as similarities including those related to RC services, policyholder goals, and databases were identified. CONCLUSIONS: Insurers collect and store extensive RC data, which have utility for public health research for improving workplace safety and health. PRACTICAL APPLICATIONS: Increased public health understanding of RC data and systems and an identification of key collaboration opportunities between insurers and researchers will facilitate increased use of RC data for public health purposes.

Accidentes laborales reportados a un hospital de la seguridad social en Piura-Perú, 2010-2012 / Work accidents reported to a social security hospital in Piura-Perú, 2010-2012

Objetivo: Determinar factores asociados a la referencia inmediata a un hospital de la seguridad social luego de un accidente laboral. Métodos: Estudio transversal analítico de los datos de accidentes laborales atendidos en el Hospital III "José Cayetano Heredia" - Piura, entre los años 2010-2012. Se evaluó las características del trabajador, de su puesto de trabajo, del accidente y su repercusión. Se usó la variable referencia inmediata a la institución de salud como dependiente, considerando como categoría de interés si se acudió a un establecimiento de salud como primer lugar post accidente de trabajo. Se calcularon las razones de prevalencia crudas (RPc) y ajustadas (RPa) con los modelos lineales generalizados, usando la familia binomial y la función de enlace log. Resultados: Se notificaron 2251 accidentes de trabajo en los tres años, siendo el domicilio de los trabajadores el primer lugar a donde acudió el 59% (1317), entre las 10 am-12 m fue el período del día con más accidentes. En el análisis multivariado, los operarios y los accidentes que generaron heridas no acudieron inmediatamente al hospital post accidente en 24% (IC95%: 19-33%) y 36% (IC95%: 12-35%), respectivamente. En cambio, aquellos accidentes que fueron causados por agentes físicos tuvieron un 25% (IC95%: 1-55%) más referencia inmediata al hospital. Conclusión: Según los datos analizados, se encontró una elevada frecuencia de no reporte inmediato a la institución hospitalaria de accidentes laborales, esto debe ser tomado en cuenta por las autoridades responsables para mejorar la situación que va contra la ley (AU)

Objective: To determine the social and occupational characteristics of the occupational injuries reported to a Social Security hospital in Piura. Methods: A cross-sectional analytical study of a database of occupational injuries reported to "José Cayetano Heredia" Hospital in Piura, Peru, between 2010 and 2012 was performed. Characteristics of workers including job position, type of injury and repercussion were examined. The variable ‘immediate referral to a medical facility of the Social Security System’ was used as dependent variable, considering as category of interest whether the first destination after an occupational injury was any outpatient clinic or medical facility. The non-adjusted (RP) and adjusted prevalence rates (aPR) were calculated with generalized lineal models, using the binomial family and log link function. Results: a total of 2251 occupational injuries were notified, with 59% (1317) of workers that went home as first destination after being injured. Most accidents occurred between 10 am and 12 pm. In the multivariate analysis, the blue collar workers and the accidents did not go immediately to the medical facility after the event in 24% (IC95%: 19-33%) and 36% (IC95%: 12-35%), respectively. However, injuries that were caused by physical agents had a rate of 25% (IC95%: 1-55%) of immediate referral to an outpatient clinic. Conclusion: according to the analyzed data, a high frequency of not-immediate report of occupational injuries to the hospital was found. This has to be taken into account by the authorities to improve this situation, which goes against the law (AU)

[Hands well - all's well : Prevention campaign of the Austrian General Accident Insurance Institution (AUVA) to reduce hand injuries]. / Hände gut ­ Alles gut : Die Präventionskampagne der österreichischen Allgemeinen Unfallversicherungsanstalt (AUVA) zur Reduzierung von Handverletzungen.

Overall, 41% of all work-related accidents lead to a hand injury. In the younger generation, the incidence rate even rises to 50%. In Austria, these accidents result in approximately half a million sick leave days per annum, an average of 12.5 days per accident. In comparison, leisure-time hand injuries show a significantly higher accident rate: 60% of hand injuries occur during leisure time. Far fewer safety measures are taken and a lack of adequate training and a disregard for safety recommendations are observed.This large number of hand injuries led to the launch of a campaign in Austria in 2014-2015 called "Hände gut - Alles Gut", (Hands well - all's well). This campaign was aimed at reducing the costs, a sum of 309 million Euros, incurred solely from work-related hand accidents, by at least 5-10%.These exorbitantly high costs are not only due to severe hand trauma, most result from a multitude of slight and superficial wounds.

[The Assessment of REC after Thermal Trauma as Part of the Appraisal Process for Statutory Accident Insurance in Germany (Part 1): Low Validity of the REC Form Developed by Donnersmarck and Hörbrand]. / Die Einstufung der MdE nach thermischen Trauma im Rahmen der Begutachtung der gesetzlichen Unfallversicherung (Teil I): Geringe Validität des MdE Bogens nach Donnersmarck und Hörbrand.

The total REC (reduction in earning capacity) after a thermal trauma is usually assessed using an appraisal form for burns victims, initially developed by Hoerbrandt and von Donnersmarck (1995). The criteria for functional impairment, local findings and vegetative-somatic complaints are somewhat imprecise given the broad scope of interpretation which the evaluator can employ in making an appraisal. This means that the overall appraisal of REC is subjective on the part of the evaluator. In addition, one can only calculate an overall REC of at most 40% from local findings and vegetative-somatic symptoms, even in patients with extensive large area burns. Considering these points we investigated the dependency of the results on the evaluator as well as the limited validity of the appraisal form originally developed by Hörbrand and Donnersmark.

Modelling crash propensity of carshare members.

Carshare systems are considered a promising solution for sustainable development of cities. To promote carsharing it is imperative to make them cost effective, which includes reduction in costs associated to crashes and insurance. To achieve this goal, it is important to characterize carshare users involved in crashes and understand factors that can explain at-fault and not-at fault drivers. This study utilizes data from GoGet carshare users in Sydney, Australia. Based on this study it was found that carshare users who utilize cars less frequently, own one or more cars, have less number of accidents in the past ten years, have chosen a higher insurance excess and have had a license for a longer period of time are less likely to be involved in a crash. However, if a crash occurs, carshare users not needing a car on the weekend, driving less than 1000km in the last year, rarely using a car and having an Australian license increases the likelihood to be at-fault. Since the dataset contained information about all members as well as not-at-fault drivers, it provided a unique opportunity to explore some aspects of quasi-induced exposure. The results indicate systematic differences in the distribution between the not-at-fault drivers and the carshare members based on the kilometres driven last year, main mode of travel, car ownership status and how often the car is needed. Finally, based on this study it is recommended that creating an incentive structure based on training and experience (based on kilometres driven), possibly tagged to the insurance excess could improve safety, and reduce costs associated to crashes for carshare systems.

Per-capita claims rates for decompression sickness among insured Divers Alert Network members.

Decompression sickness (DCS) in recreational diving is a rare and usually self-limiting injury, but permanent disability can occur. Incidence rate estimates are difficult to establish because the number of divers at risk is usually unknown in population samples with well-documented DCS. We estimated the annual per-capita DCS incidence rates for 2000-2007 based on insurance claims submitted by members of the Divers Alert Network (DAN), Durham, N.C., with dive accident insurance. The overall per-capita DCS claims rate (DCR) was 20.5 per 10,000 member-years. Based on the age-adjusted DCR, males submitted 28% more claims than females. Male-to-female difference was greatest between 35 and 40 years of age and disappeared by the mid-50s. Highest rates were observed in the 30- to 39-year age category, after which DCR declined with increasing age. Highest yearly DCR was estimated in 2002. Insurance dropout rate was greater among those who had DCS in the first year of their insurance compared to those who did not have DCS in their first year.

Analysis of precipitation-related motor vehicle collision and injury risk using insurance and police record information for Winnipeg, Canada.

INTRODUCTION: Police records are the most common source of data used to estimate motor-vehicle collision risks, understand causal or contributing factors, and evaluate the efficacy of interventions. The literature notes concerns about this information citing discrepancies between police reports and other sources of injury occurrence and severity data. The primary objective of the analysis was to assess the adequacy of police reports for an examination of weather-related injury collision risk. METHOD: Analyses of relative risk were carried out using both police records and comprehensive insurance claim data for Winnipeg, Canada over the period 1999-2001. RESULTS AND CONCLUSIONS: Both data sets yielded very similar results-precipitation substantially increases the risk of injury collision (police records: RR 1.76, CI 1.55-2.00; insurance: RR 1.80, CI 1.62-1.99) and risk of injury (police records, RR 1.74, CI 1.55-1.96; insurance, RR 1.69, CI 1.55-1.85) relative to corresponding dry weather control periods. Both rainfall and snowfall were associated with large increases in collisions and injuries. IMPACT ON INDUSTRY: While relative risks are almost identical, over 64% more injury collisions and 74% more injuries were identified using the insurance data, which is an important difference for evaluating absolute risk and exposure.

Accidental circular saw hand injuries: trauma mechanisms, injury patterns, and accident insurance.

INTRODUCTION: Hand injuries due to circular saws are a common reason for patients seeking medical care in emergency departments. With respect to cases of insurance fraud, these injuries are of medico-legal interest. It is the aim of this study to investigate the critical circumstances of the incidents, the accident mechanism, and the specific injury patterns of circular saw related hand injuries with regard to accident insurance coverage. PATIENTS AND METHODS: Circular saw related hand injuries for the years 1999 through 2007 were followed-up and assessed in detail. Type, severity and pattern of the injury were assessed. An accident analysis investigated characteristic of the activities, of the saws, of the stock/cutting material, operational activities of the operators prior to/at the time of the incident, and detailed information on the insurance status. RESULTS: The follow-up study encompassed 114 patients. A majority of these were covered by private or statutory accident insurances. Compensation payments were made in all cases. All lesions involved one hand, mainly the left non-dominant hand. Thumb and index were at highest risk for injury. One-finger injuries occurred mainly at the middle or distal phalanx. With increasing number of affected fingers, the level of the injury moved closer to the proximal phalanx. A majority of injuries occurred during do-it-yourself activities. Among blade contact injuries, the so-called kickback-mechanism was at highest risk. CONCLUSION: Positive circumstantial indications of a self-inflicted injury, which are often cited in the literature are less conclusive for the medico-legal decision finding. The detailed anatomic description of any lesions and the alleged accident mechanism as initially described by the patients in the emergency setting is the basis for any later accident reconstruction.

[Medical insurance aspects of peritoneal tumors with particular attention to peritoneal mesotheliomas]. / Versicherungsmedizinische Aspekte bei peritonealen Mesotheliomen und sonstigen peritonealen Tumoren.

Malignant peritoneal mesotheliomas arise mainly in male patients and the median age of initial diagnosis is about 56 years. Epitheloid subtype predominates in peritoneal mesotheliomas. Asbestos exposure is the best-known and most common risk factor associated with the development of both pleural and peritoneal mesotheliomas and, therefore, about 90% of cases can be assessed as asbestos-associated. Patients with peritoneal mesotheliomas have distinctly higher asbestos burden of the lungs than patients with pleural mesotheliomas. The mean latency period between exposure and diagnosis of peritoneal mesothelioma ranges from 35 to 40 years and is comparable to that of pleural mesothelioma. Mesothelioma of the tunica vaginalis testis also belongs to the group of peritoneal mesotheliomas. No significant evidence exists for the classification of well-differentiated papillary mesothelioma, solitary fibrous tumor, adenomatoid tumor, primary peritoneal serous borderline tumor, and benign multicystic mesothelioma as asbestos-associated tumors. Except malignant mesotheliomas, the induction of other abdominal tumors is independent of an exposure to asbestos dust.

[Special characteristics in the private and compulsory accident insurance]. / Eigenheiten der Begutachtung in der Privaten und der Gesetzlichen Unfallversicherung.

In this manuscript the basic ophthalmological survey criteria for the private and compulsory accident insurance have been collected in order to illustrate their diversity.

[Evaluation of an indicator-based screening procedure for identifying quality problems in medical rehabilitation of the German statutory accident insurance]. / Evaluation eines indikatorenbasierten Screening-Verfahrens zur Identifizierung potenzieller Qualitätsprobleme in der medizinischen Rehabilitation der gesetzlichen Unfallversicherung.

In the context of medical rehabilitation quality assurance, the use of screening procedures aims at specifically screening for rehabilitative cases that might be affected by quality problems. These may then be subjected to more elaborate quality management procedures. In the study presented, a criteria-based screening checklist designed to tap potential quality problems among rehabilitative cases in the German statutory accident insurance medical rehabilitation system was evaluated regarding its validity and suitability for routine use. Checklists were filled out by accident insurance administrators in three regional insurance funds who were instructed to evaluate all current rehabilitation cases (n=189) with regard to potential quality problems. For validation of the instrument, case reviews by physicians familiar with medical and administrative features of the accident insurance rehabilitation system were used. About a fifth of all cases reviewed using the screening checklist (22%) were classified as potentially problematic in terms of quality. Absence of relevant documents, delays in document receipt, and complications during treatment were cited as the most frequent problems. Concordance between the screening checklist and physicians' ratings concerning the quality of rehabilitative cases was moderate. Sensitivity and specificity were insufficient when using physicians' ratings as a validation criterion (0.53 and 0.56, respectively). Accident insurance administrators rated the screening checklist as a useful and practical quality management instrument. Concerning its insufficient validity using physicians' ratings as a validation criterion, the suitability of the checklist as a screening instrument is questionable. The instrument's potential of introducing the accident insurance administrators' expertise and knowledge into medical rehabilitation quality management strategies is highlighted. Further research on methodological aspects of the instrument as well as its content features is warranted. Starting points for modifications are outlined.

[Analysis of sports injuries covered by German occupational accident insurance associations at a former district hospital over a period of six years]. / Analyse der berufsgenossenschaftlichen Sportunfälle eines ehemaligen Kreis- krankenhauses uber den Zeitraum von sechs Jahren.

An epidemiological analysis was carried out of 1,126 sports injuries covered by German occupational accident insurance at a small regional hospital over a period of six years, of which 86.6% were allotted to the sport at schools. The types of sport most frequently involved were general fitness sports (n = 486), soccer (n = 137), volleyball (n = 126), gymnastics (n = 125) and basketball (n = 121). In the general fitness sports (n = 228 women/girls, n = 258 men/boys), bruising injuries dominated (47%), followed by sprains (29%), mostly involving the upper extremities (53%). In soccer injuries (proportion of woman = 15%), bruising and injuries to the lower extremities ranked first. Falls (33%) and sprains (31%) were the most common gymnastics injuries. Injuries to the upper extremities were most common in volleyball and basketball with 72% and 68% respectively. The distribution of these sports injuries more or less mirrors the distribution of sports disciplines at schools and institutions like the Federal Border Police. Sporting activity here should include preventive elements such a proprioceptive training.

Annual report on health care for children and youth in the United States: focus on injury-related emergency department utilization and expenditures.

OBJECTIVE: To examine state differences in children's utilization of injury-related emergency department (ED) care across 14 states, benchmarking aggregate state estimates against national expenditure estimates for outpatient injury-related ED care. METHODS: A retrospective analysis was performed using the 2003 State Emergency Department Databases and State Inpatient Databases from the Healthcare Cost and Utilization Project and data from the Medical Expenditure Panel Survey. Pediatric ED visits with any injury International Classification of Diseases Ninth Version Clinical Modification (ICD-9-CM) diagnosis code were selected. The Barell Injury Diagnosis Matrix, ICDMAP-90 software, and the Trauma Information Exchange Program data were used to classify injuries, produce injury severity scores, and examine utilization in trauma centers. Aggregate and state-specific descriptive analyses compared differences in patient and injury characteristics and admission status by age, severity of injury, and expected payer. RESULTS: Over 1.5 million or nearly one-third of ED visits were for pediatric injuries in the 14 states studied. Nationally, 5.4% of children had an injury-related ED visit, and approximately $2.3 billion was spent on outpatient injury-related ED visits in 2003. The pattern of injury-related ED visit care varied considerably by state. For example, injury-related ED visit rates ranged from 63.3 to 164.4 per 1000 children. Infants, adolescents, children from very low income communities, and children from nonmetropolitan and nonmicropolitan areas were more likely to have an injury-related ED visit than their peers. Although patient characteristics were fairly consistent across states, admission rates and expected source of payment for injury-related ED visits varied considerably by state. Hospital admission rates ranged from 1.5% to 4.4% of injury-related ED visits and expected payer estimates ranged from 37.1% to 71.0% of visits billed to private insurance, 17.9% to 47.0% billed to Medicaid, and 2.1% to 10.4% billed as uninsured. CONCLUSIONS: This study suggests that injuries account for a significant portion of pediatric ED visits. There is substantial variation in ED use and hospital admissions for injured children across states and payers. This variation suggests that there are several opportunities for improvement in emergency care for children. To better understand the underlying reason for the variation, multivariate and hypothesis-driven research should focus on the nature and outcomes of injury-related ED care in the context of small area practice patterns and state programs, policies, and care system characteristics.

Economic growth and the incidence of occupational injuries in Austria.

OBJECTIVES: The aim of this paper was to analyze the impact of economic growth measured by real gross domestic product (GDP) on the incidence of occupational injuries in Austria. METHODS: The relationship between GDP and the occupational injury rate of the wage-earning population between 1955 and 2004 was analyzed using an error correction model. The sample size increased from 1.568,371 persons in 1955 to 2.656,952 in 2004. Occupational injuries were divided into fatal and non-fatal injuries. RESULTS: Occupational injuries (fatal and non-fatal) decreased from 8.59% to 4.08%: non-fatal injuries decreased from 8.56% to 4.07%; fatal injuries decreased from 0.03% to 0.01%. Austrian GDP increased from EUR 37.7 billion to EUR 202.8 billion (base year 1995). Statistical analysis clearly shows that a growing economy is associated with declining injury rates (fatal and non-fatal). Two mechanisms are discussed. Firstly, rising GDP is accompanied by greater investment in safer technologies and occupational safety measures. Secondly, booming economies are associated with a reduced risk of unemployment, which is already known to be a risk factor for occupational injuries. CONCLUSIONS: Economic development appears to have an impact on the incidence of occupational injuries in Austria. Health policy should emphasize the necessity for safety at work particularly in phases of economic slowdown.

[Hannover-Polytrauma-Longterm-Study HPLS]. / Hannover-Polytrauma-Langzeit-Studie HPLS (I).

UNLABELLED: From the period of September 2000 to March 2006 Hannover Reinsurance and the Department of Traumatology of the Hanover Medical School conducted a retrospective observational study of the long-term outcome of patients after polytrauma. The follow-up period was on average 17 +/- 5 years. The goal of the study was to determine the social, financial, medical and psychological long-term outcome after a severe accident. Of the 1560 enrolled patients 519 patients died in the observed period, 397 patients were followed up but could not be examined, 637 patients (female n = 158, male n = 479) were examined and answered detailed questionnaires concerning their social, financial medical and psychological situation. 6 patients did not fullfil the input criteria and one patient had two polytraumata. The average age at the time of accident was 26.5 years (+/- 12.3). RESULTS: Financial losses were observed in 41.1% of all males and 44.4% of females. 21.7% of all male (female 18.4%) had no financial protection at all. Due to the accident 30.1% of all men were unemployed and 19.8% permanently disabled (women 27.4% and 27.6% respectively). Psychological treatment almost doubled after discharge from rehabilitation centres. Even 20 years after the accident extra-mortality was substantially increased by 79%. CONCLUSION: Ten to twenty years after polytrauma significant financial, social and medical impairments are still present.

Potential risk factors for prolonged recovery following whiplash injury.

A retrospective analysis of insurance data was made of 600 individuals claiming compensation for whiplash following motor vehicle accidents. Three hundred randomly selected claimants who had settled their injury claims within 9 months of the accident were compared with 300 who had settled more than 24 months after the accident. We compared the two groups to identify possible risk factors for prolonged recovery, for which settlement time greater than 24 months was a marker. Variables considered included demographic factors, type of collision, degree of vehicle damage, workers compensation, prior claim or neck disability, treatment and time to settlement. Consulting a solicitor was associated with a highly significant, four-fold increase of late settlement of the claim. A concurrent workers' compensation claim, prior neck disability and undergoing physiotherapy or chiropractic treatment were weakly associated with late settlement. The degree of damage to the vehicle (as indicated by cost of repairs) was not a significant predictor of late settlement. Late settlement may be the direct effect of legal intervention, independent of the severity of the injury. Whilst the financial benefit to the claimant of consulting a solicitor is apparent, the benefit of prolonged disability is not. It may be to the advantage of both insurers and claimants if those likely to proceed to late settlement could be recognised early and their claims settled expeditiously.