Cost-benefit of dementia insurance for cognitively-unimpaired <i>APOE</i> ε4 homozygotes: A simulation study.

ABSTRACT:

Background

Dementia insurance, a private insurance product covering the first diagnosis of dementia of the insured, may be beneficial for asymptomatic individuals who recognize their own high genetic risk for Alzheimer's disease.

Objective

We aimed to examine the cost-benefit of dementia insurance in cognitively unimpaired individuals, stratified by APOE ε4 genotype.

Methods

A simulation study using 18 years of longitudinal data from National Alzheimer's Coordinating Center study to simulate the income and expenses of dementia insurance from the insured's perspective. Cognitively unimpaired participants at baseline (approximately n = 9000) were included, and the loss ratio (= total benefits gained / total premium paid) was calculated by APOE ε4 subgroup,

SUBMITTER: Sato K 

PROVIDER: S-EPMC12402658 | biostudies-literature | 2025 Jan-Dec

REPOSITORIES: biostudies-literature