Table 3.

Analysis of potential determinants of life assurance difficulties in inflammatory bowel disease (IBD) patients

	OR (95% CI)
Diagnosis (CD v UC)	0.4 (0.1–1.3)
Age at application	1.0 (0.9–1.1)
Disease activity*
Continuous v 1 period	5.6 (1.1–29.8)
Continuous v fluctuating	4.4 (1.1–17.5)
Fluctuating v 1 period	1.3 (0.3–5.0)
Disease duration	1.1 (0.9–1.4)
History of surgery (yes v no)	3.7 (0.9–14.6)
History of immunosuppressive use	0.9 (0.3–2.8)
Sex (male v female)	1.6 (0.5–4.9)
Educational level*
High v medium	8.7 (2.3–32.3)
High v low	6.9 (1.1–42.7)
Smoking*	6.2 (1.7–22.5)

All values presented are results of logistic regression analysis.

*These factors were significantly associated with an increased risk of incurring life assurance application difficulties in IBD patients.

OR, odds ratio; 95% CI, 95% confidence interval.