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December 20, 1902


JAMA. 1902;XXXIX(25):1600. doi:10.1001/jama.1902.02480510040006

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The insurance companies of Germany have determined, after a three years' test, that it costs less to support sanatoria for their tuberculous policy holders than to pay the policies of the large number of those who would die sooner without sanatorium treatment. It has been argued that our American insurance companies should follow the example of the German companies, not as a matter of sentiment nor from charitable motives toward their policy holders, but as a safe and conservative business proposition. Here, however, fewer tuberculous subjects, and even subjects with a tuberculous history, succeed in procuring a life insurance policy, whereas in Germany the law prescribes that every laboring man shall have insurance; consequently, a larger number of undesirable risks must be carried, and hence the greater need for sanatoria. From the business standpoint, the advisability of maintaining sanatoria on the part of insurance companies is not as evident, and

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