[Costs of hand emergencies].
In France at the present time, there is no comprehensive registry of hand injuries. Three types of occurrences; motor vehicle accidents, work accidents, and accidents incident to activities of daily living, are covered by different types of insurance. It is the individual insurance companies, payers of the indemnification, who maintain registries of these accidents. Statistics on work accidents are very detailed and consistent, but they are oriented toward risk management. The aggregate cost of traumatic injuries to the hand is not known. Only large financial institutions are equipped to determine appropriate preventive measures and to establish premium rates based on loss experience. In 2001, hand injuries accounted for 27% of work accidents causing loss of work of at least 1 day. About 29.8% of these work accidents caused permanent partial impairment. About 17.7% of total days lost and 18.2% of the total costs of permanent impairment were due to hand injuries. In the system of compensation for work accidents, there is a major difference in the cost according to the severity of the impairment. If the permanent impairment is equal to or less than 9%, a lump sum payment is made, but if the permanent impairment is over 9%, the worker receives regular payments for the rest of his life. In 2000, the average cost of a work injury with partial permanent impairment of over 9% was [symbol: see text] 85,405, while the average cost of a lump sum settlement was only [symbol: see text] 1479, a ratio of 57 to 1. The compensation costs represent 80% of the cost of work accidents, while the cost of treatment, including all providers and institutions, makes up only 20% of the cost. Compensation for sequelae of accidents in the course of daily life is new for the insurance companies, although these accidents are frequent and often cause significant repercussions in the professional lives of victims because of the loss of hand function. Provision of optimal treatment for these traumatic injuries from the very first moment is the best strategy for the third party payers. Better results of treatment not only reduce the costs of compensation for permanent partial impairment, but also greatly diminish the psychological impact on the injured worker. In the future, the management of the costs of these work injuries will become a priority. Pressure from consumers, which is growing, will favor this trend through the intermediary of private insurance companies.
Raimbeau
G
G
Centre de la main, 49100 Angers, France. raimbeau@unimedia.fr
D000062:Accidents, Occupational / Q000191:economics; D003365:Costs and Cost Analysis; D004185:Disability Evaluation; D004630:Emergencies / Q000191:economics; D006230:Hand Injuries / Q000191:economics*; D006801:Humans