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ナルコレプシーの保険と治療費

ルコレプシーという睡眠障害は、最近ではアニメで取り上げられたりしてかなり認知度が高まって来ました。平成16年10月、特定非営利活動法人(NPO)『日本ナルコレプシー協会』( 略称『NPOなるこ会』)が発足され、この病気で苦しんでいる人達の良い相談の場として活動しています。

ナルコレプシーは過眠症のひとつで、罹患率は1万人あたり3~18人、発病年齢は10才台で特に中学・高校生の頃に集中していることが明らかになっていますが、まだまだ専門医が非常に少なく正しい診断・治療が受けられなかったり本人が体質的なものと思いこみ病気という認識がなかったりして、発病してから適切な診断を受けるまで実に15~20年もかかると言われています。今回はナルコレプシーの治療方法と保険費用について調べてみました。

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ナルコレプシーの特徴

昼寝

「日中強烈な眠気に襲われる病気」と認識されている方が多いと思います。しかし、それはナルコレプシーの一部の症状であり、居眠りだけではナルコレプシーと決め付けることはできません。下記の様な特徴があります。

昼間の耐え難い眠気(睡眠発作)

 → 大事な商談中や試験の時でも急に寝てしまう

情動性脱力発作(カタプレキシー)

 → 突然脱力して力が入らなくなる症状

睡眠麻痺

 → 俗に言う金縛り

入眠時幻覚

 → 悪夢を幻覚と勘違いしやすくなる 周囲の人が「居眠り=だらしない」との認識しか持っていない場合、本人も周りの人も病気の自覚がなければ通
院等を勧められる事はありません。そのため治療が遅れ、本人の性格にうつ病などの悪い影響が出易くなります。

ナルコレプシーの治療方法

病院により検査方法は異なりますが、基本的に1泊から2泊の検査入院になります。費用は2~5万円見ておけばよいでしょう。保険適用で本人負担分だけの支払いですみます。主な検査方法は、下記の3つです。

日中・夜間の睡眠潜時反復検査

頭にジェルを塗り、睡眠発作が発生した時の脳波で眠りの深さ(レム・ノンレム)を計測します。これは、普通の人は睡眠直後はノンレム睡眠となるのですが、ナルコレプシーの方は睡眠直後にレム睡眠となるためです。

髄液検査

髄液中のオレキシン(脳内で覚醒を促すホルモン)濃度で判断するようですが、かなり痛いようです。

終夜睡眠ポリグラフ検査(ポリソムノグラフィー)

体のあちこちに脳波や筋電図、呼吸状態などを計るセンサーを付け、一晩眠る検査。正式な検査をする場合には夕方から病院に1泊しなければなりませんが、検査が終わればそのまま学校や会社へ行くこともできます。

どうしても検査のための入院ができないときには、簡易型の検査装置を借りて、自宅で検査することも可能です。この検査だけなら、3割負担の人なら費用は1万5000円前後です。また、宅配便でポータブル検査装置を送ってくれるサービスは6000円くらいで受けられます。

ナルコレプシーと保険

精神疾患の場合にはほとんどの医療保険では無理と言われています。睡眠障害も場合によっては保険加入は難しいかも知れません。似た様な症状のてんかんの場合は、抗てんかん薬治療によりてんかん発作が良好にコントロールされている成人であれば、生命保険は軽度保険料割増で引受可能と思われます。但し、災害関連特約は引受不可かもしれません。医療保険については、引受不可から保険料割増での引受となるでしょう。保険に入れるか、事前に確認する事をおすすめします。

もしナルコレプシーだという事を告知しないで保険に加入した場合、、契約後にナルコレプシーに起因する入院や死亡が発生しても、告知義務違反で保険金が支払われないばかりか、支払った保険料も返還されずに契約は強制解約となったり、最悪の場合、保険会社から詐欺罪で告訴される可能性もゼロではないでしょう。

「モディオダール」というナルコレプシーに効果のある薬が日本でも処方出来るようになりました。この薬は保険適用で一錠100円位するそうですが、副作用が少なく、長い時間効果があるそうです。リタリンと併用で処方してもらい、リタリン(朝、昼)、モディオダール(朝)を服用した場合、昼間の仕事中に寝てしまうことは滅多に無いと言われています。

睡眠障害の薬は日進月歩していますから、民間の保険が適用される日も近いでしょう。投薬療法と、なるべく土日に寝だめするようにしたり、運転をするような仕事を避ければ、日常生活は問題なく過ごせる病気です。国民保険は適用されますから、3割以上の本人負担はありません。

ナルコレプシーの研究―知られざる睡眠障害の謎 (Hot‐nonfiction)
本多 裕
悠飛社
売り上げランキング: 463,752

まとめ

いかがですか。ナルコレプシーは周りも本人も病気と判断しにくいやっかいな病気です。周囲の誤解により、勉強の成績が下がったり、仕事を辞めさせられたりと本人には大変辛い病気です。少しでも当てはまると感じた場合は、早めに病院を受診して下さい。専門の検査を受ける事で病名が判明します。治療は保険が適用されますから、本人負担は2~5万円を見ておけば大丈夫でしょう。

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