Is the heart attack serious enough?
This case study looks at a complaint about disability insurance and the interpretation of medical evidence and policy provisions when a client has a heart attack. This is from the Insurance and Savings Ombudsman (ISO) annual report.
Thursday, February 10th 2011, 6:00AM 1 Comment
In 2003, C arranged critical illness insurance with P.
In April 2008, C made a claim to P because he had suffered a heart attack.
P declined the claim, because although C had suffered from a heart attack, it did not believe he met the policy definition of a "Heart attack". It advised that based on his Troponin T levels, he had had "an insufficient rise in his cardiac enzymes".
- The policy
In terms of the policy, for P to be liable for the claim, C's heart attack had to meet the criteria in the policy definition, based on the following:
- "clinical features" consistent with a heart attack;
- "confirmatory new electrocardiogram (ECG) changes" consistent with a heart attack; and
- "diagnostic elevation of cardiac enzyme CK-MB" consistent with a heart attack; or
- "evidence that the event produced a permanent reduction in the Cardiac Ejection Fraction to 50% or less".
C's hospital discharge stated he had "intermittent chest pain" and was diagnosed with a "Non-ST elevation MI".
As such, C had "clinical features" consistent with a heart attack.
C's ECG showed a "T-wave inversion", which P accepted as "confirmatory new electrocardiogram (ECG) changes" consistent with a heart attack.
C's "cardiac enzyme CK-MB" was not tested for elevation (in New Zealand, these tests have largely been superseded by measurements of the cardiac markers Troponin T ("TnT") and Troponin I ("TnI")).
C's "ejection fraction was 74%".
C's heart attack could not be measured against the third element required by the policy for a "Heart attack", because his "cardiac enzyme CK-MB" was not measured when he had his heart attack.
Moreover, C's heart attack did not meet the alternative requirement that the "Cardiac Ejection Fraction" be permanently reduced to 50% or less.
Therefore, C did not meet the definition of a "Heart attack" under the policy.
• P's declinature
P declined the claim, because C did not have an elevation of TnT to above 0.6 ug/L. It said that he did not meet the criteria of a "diagnostic elevation of cardiac enzyme CK-MB" consistent with a heart attack, "due to an insufficient rise in his cardiac enzymes".
Because P declined the claim on this basis, to determine whether C's heart attack met the policy definition for a "Heart attack", the Case Manager believed it needed to be established what level of TnT equated to a "[d]iagnostic elevation of cardiac enzyme CK-MB" consistent with a heart attack.
• The research
The Case Manager reviewed the available medical research on cardiac enzymes and TnT and, in particular, any comparative studies carried out.
This proved to be a difficult process to undertake, as there has been little or no medical research done to date that specifically addresses this matter.
Advice from specialists was that "Troponin levels are not directly comparable to previously used enzymatic markers including Creatine Kinase (CK) and its cardiospecifi c MB fraction (CKMB)".
An independent cardiologist advised, "it is difficult to def ne a precise threshold of Troponin T levels where a rise in CKMB might not be expected to be detected but my view would be that this would be around 0.1 mcg/L".
The Case Manager also found a document from the Diagnostic Medlab, New Zealand, which referred to a TnT level of 0.1 ug/L as being comparable to the "Old M.I. Threshold (by comparing with CKMB cut off)".
• The medical information
The highest recorded TnT level was 0.19 ug/L.
• The analysis
The Case Manager did not believe there was any way to determine a TnT value that absolutely and definitively equated to a "diagnostic elevation of cardiac enzyme CK-MB". However, because of the way P declined the claim, it was important to find an approximate TnT value, based on the best information available.
According to the information from the Diagnostic Medlab and supported by the statements made by the cardiologist, a TnT reading of 0.1 ug/L would equate approximately to the "Old M.I. Threshold (by comparing with CKMB cut off)".
The Case Manager believed, therefore, that for the purposes of this Assessment, a TnT level of 0.1 ug/L or above should be considered to equate to a "diagnostic elevation of cardiac enzyme CK-MB."
Therefore, because C had a TnT reading of 0.19 ug/L he met the policy definition of a "Heart attack", given P's reliance on TnT levels in its consideration of his cardiac enzyme levels and application of the policy wording to the claim.
Result Complaint upheld
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