How history of present illness helps assess life expectancy

present illness history in life expectancy

History of present illness is a summarized description that gives information regarding the progression of the client’s active illness from the onset to the present.

History of present illness helps in medical decision making, investigate the client’s problem, and ultimately evaluate the client’s current status of a disease condition. It also gives reference to the disease location, quality, severity, timing, associated signs/symptoms which helps life settlement underwriters determine the price for accepted insurable risks.

Common methodologies used by medical providers for HPI:

  • Medical providers elaborate on the chief complaint in detail.
  • They ask relevant associated symptoms.
  • They try to gain as much information as they can about the specific complaint.
  • Medical providers lead the conversation by asking questions.

How it affects the user (Life settlement service/insurance):

The cost of insurance premium is based on risk and history of present illness will help underwriters to determine if there is increased risk to the insurer, and according to the level of risk, the premium for the client will increase or decrease. Healthy applicants are privileged to lower premiums, while those with serious health conditions may pay more premiums.

Example: The client is a 68-year-old male with known metastatic prostate cancer, coronary artery disease, and hyperlipidemia who is referred to us for evaluation. His history of prostate cancer dates back to 2011 when he underwent radical prostatectomy followed by radiation and vaccine therapy. The client now has a metastatic hormone-sensitive disease. He has obstruction of his left ureter which is probably by cancer. He will start androgen deprivation therapy and Xgeva.

The client underwent three-vessel disease bypass grafting in 2016 (the left anterior descending, right coronary, and circumflex arteries). He is currently doing well. He is extremely active and works full-time, also plays golf regularly. He has been maintaining his weight. He is feeling fair in general. He does note some fatigue.

Effects: The above example demonstrates the client’s medical history in short, recommended treatment regimen, the client’s current physical and activity level, how he is feeling overall, and his work status. By looking at the most recent HPI, the underwriter can make a fair judgment about the premium.

History of present illness review by Telegenisys:

While preparing medical summaries for life expectancy medical summarizers at Telegenisys will use VMR (Visualize Medical Records) software to take a look at crucial information from the history of present illness, which will be used by underwriters in determining the liability risk. Using the ICD tabs we are able to catch every detail of the treatment that could possibly have been missed if done by manual sorting and scrolling through pages.

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