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HIỂU BIẾT VỀ VIÊM GAN SIÊU VI B
Khả năng Viêm Gan Siêu Vi B mãn tính tỉ lệ nghịch với tuổi bị nhiễm;
- Sơ sinh lây dọc từ mẹ; 90%
- 1-6 tháng tuổi; 80%
- 7-12 tháng tuổi; 60%
- 1-4 tuổi; 25%
- 5 tuổi trở đi; 10%
Triệu chứng Viêm Gan Siêu Vi B thì:
- Sơ sinh lây dọc từ mẹ; 0%
- 1-6 tháng tuổi; 0%
- 7-12 tháng tuổi; 0%
- 1-4 tuổi; 10%
- 5 tuổi trở đi; 40%
Trong BHNT,
- Tuổi khách hàng càng trẻ thì rủi ro K gan càng cao; tuy nhiên cũng khó xác định khách hàng bị nhiễm lúc nào vì nó hoàn toàn không có triệu chứng! Các TĐV phải suy luận từ người mẹ có bị nhiễm bệnh này hay không để cân nhắc việc bán BHNT.
- Tuỳ tình trạng của hệ miễn nhiễm mà Viêm Gan Siêu Vi B mãn tính có những đợt tăng men gan ồ ạt với đường biểu diễn hình sin như sóng biển. Có 2 tình huống:
. Giai đoạn đánh nhau loạn xạ giữa HMN và Siêu vi B: men gan tăng cao; các TĐV không bán hoặc bán và tăng phí cao!
. Giai đoạn ngưng chiến do HMN hết xí quách rút quân: men gan hạ đáng kể; các TVV hân hoan bán và tăng phí thấp hơn!
Như vậy; ai thua ai thắng! Một khi mua BHNT xẩy ra trong 2 giai đoạn này?!
Thời gian để sạch bệnh tính trung bình là 36 năm tính từ lúc nhiễm bệnh. Nhiễm bệnh do:
- Mẹ lây cho con khi con có vết trầy da niêm dính máu của mẹ
- Chơi đùa cào cấu nhau ở nhà trẻ
- Nhổ răng, nạo thai nhằm dụng cụ khử trùng không kỹ
- Quan hệ tình dục với người lành mang trùng (không có triệu chứng)
Do đó, một số TĐV cứ hoãn không cho mua thì hoãn đến bao nhiêu năm?!
Dân VN tần xuất nhiễm VGSVB rất cao; không tinh thông cơ chế bệnh học là khỏi bán được cho ai hết!
Hậu quả là Ế hàng và Bán bậy!
Các bác sĩ y khoa BHNT, dựa trên thống kê của các cty Tái BH xếp Xơ Gan/VGSVB vào bảng tỉ lệ tử vong 300% extra mortality:
Thí dụ: Tỉ lệ TV chuẩn của tuổi lao động nam (15-60) là 12,8% hay 100 nam chết hay TTTBVV 13 người mỗi năm
- Nếu nam bị Xơ Gan/VGSVB thì nằm trong bảng tỉ lệ tử vong cao hơn là 100 người chết hay TTTBVV 50 người mỗi năm chẳng hạn
- Ở VN các cty chỉ nhận đến bảng tỉ lệ tử vong 100 người chết hay TTTBVV 40 người thôi (200% extra mortality) nên các ca Xơ Gan/VGSVB đều bị từ chối BHNT.
Nguồn: Dr. Quynhmai Nguyen ( 24/07/2015 )
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