Underwriting breast cancer in 2017 will require an understanding of the current and growing role of genomics in the assessment of its mortality risk. This is not to lessen the importance of well-known prognosticators such as tumor/node/metastasis (TNM) staging, estrogen receptor/progesterone receptor (ER/PR) and human epidermal receptor growth factor 2 (HER2) receptor status, grade, or the mitotic activity index (MAI). Rather, it is to keep abreast of additional genomics-based prognostic tools that can be used to further stratify breast cancer and its risks.
We have made great progress in the battle against breast cancer: improved screening and treatment have produced a 30% reduction in mortality over the last two decades. Better still, continued advances in genomics are opening entirely new possibilities that hold the promise of not only improved outcomes, but an eventual cure. For life and health insurers, it is time to reexamine how we underwrite applicants with a history of breast cancer.
Breast cancer in women is a real public health issue. All doctors, whatever their specialty, are confronted to some extent with patients with this type of tumor. It is the second most common type of cancer in the world. Breast cancer is responsible for more than 520,000 deaths each year, and is the fifth most frequent cause of death in the world.
The trend of cancer incidences is one of the key questions for developing critical illness (CI) and cancer insurance products with a sustainable price. One of the identified (risk) factors is the availability and/or introduction of screening programs for cancer, which will impact the level of detection of early cancers and can lead to strong increases in incidences. Among the common cancer screenings available, breast cancer is one of the key cancer types representing around 25% of all female cancer incidences.
Women with diabetes may have an increased risk of being diagnosed with advanced breast cancer, according to a new study published online March 17 in Breast Cancer Research and Treatment.
A breast cancer diagnosis once loomed as a likely death sentence, a traumatizing battle fraught with chemotherapy, radiation or radical surgery, even in a best-case scenario.
Today doctors predict new treatments will revolutionize care during the next decade, knocking mortality rates to dramatic lows with genetic tests and personalized medicine.