ObjectiveTo explore the commercial insurance claims of voluntary blood donors in the main urban area of Chongqing.
MethodsFrom July 2016 to June 2018, a total of 311 558 blood donors who participated in voluntary blood donation in the main urban area of Chongqing Municipality were selected as subjects.The age of blood donors was ranged from 18 to 60 years. Among all blood donors, there were 147 070 male blood donors and 164 488 females. All the blood donors participated in the blood donation commercial insurance, which insured by Chongqing Blood Center. The distribution of different insurance liabilities, treatment methods, and claims amount of voluntary donors who received insurance claims were surveyed by retrospective analysis method. The composition ratios of different insurance liability claims amounts were compared by chi-square test. The procedures followed in this study met the requirements ofWorld Association Declaration of Helsinkirevised in 2013.
Results① Among the 311 558 voluntary blood donors in this study, there were 155 cases who received insurance claims, and the claim rate was 0.05% (155/311 558). According to the insurance liabilities, the number of adverse reactions of local blood donation within 7 d of blood donation was the highest of 59 cases (38.1%, 59/155), and the number of accidental deaths within 3 d of blood donation was the least of 1 case (0.6%, 1/155). According to the treatment method, there were 131 cases (84.5%, 131/155) receiving inpatient treatment, and 23 cases (14.8%, 23/155) receiving outpatient treatment, only 1 case (0.7%, 1/155) died by accident. ② Among the 155 blood donors who received insurance claims in this study, there were no statistically significant differences in the composition ratios of claims amounts for different insurance liabilities (χ2=7.223;P=0.125). The inpatient treatment claims amounted to 5 000-10 000 yuan, with the largest number of 79 cases (60.3%); the outpatient treatment claims amounted to 600-1 000 yuan, with the largest number of 11 cases (47.8%).
ConclusionsAt present, the voluntary blood donation commercial insurance and insurance claims system implemented by Chongqing Blood Center is practical, which can protect the interests of blood donors, and be conducive to the recruitment and stability of voluntary blood donation teams.
