Dr. Radhika Counsell, Consulting Medical Officer, offers a deep dive into differentiated thyroid cancers and discusses this topic in the context of critical illness claims assessment in ReFlections.
critical illness insurance
The incidence of prostate cancer - especially the early stages - has been increasing steadily for years. This is also due to early detection methods, such as PSA screening or urological prostate exams. If diagnosed in its early stages, prostate cancer can nowadays be treated successfully with innovative methods.
Insurers design critical illness policies with the intention being to cover medical conditions that are likely to have a life-changing impact on the life insured, with payment alleviating financial pressure as recovery and adjustment to an altered way of life take place. Should insurers include lower risk prostate cancer in such products or are they well positioned to exclude these altogether, considering the favorable outcome?
The latest issue of RGA’s global medical newsletter includes the following articles:
- Critical Illness Insurance: A Medical Perspective
- Cervical Cancer Update
- Longer Life Foundation
- ReCite: Interesting and relevant articles in insurance medicine
- Recent Webcasts
Diagnostic fashions are of keen interest to life and health insurance practitioners because they challenge current and traditional underwriting practice. The methodical processes by which risk selection guidelines are updated make speedy reaction to abrupt changes in diagnostics or medical practice problematic.
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.
If the term “occupational skin disease” conjures images of blackened mediaeval life or besmutted workers toiling at industrial revolution-era machines, then think again. There are over 3,000 known diseases of the skin and many are just as contemporary as the people who suffer with them.
The thyroid is a physically insignificant endocrine gland located in the neck anterior to the trachea. Cancer of the thyroid has historically been uncommon, yet incidence rates have been increasing dramatically worldwide over the past 20 years. A corresponding increase in thyroid cancer claims has also been observed in Critical Illness (CI) insurance over the past decade.
The range of infectious diseases that cause distress, illness and death remains truly staggering. Malaria, pneumonia, HIV, meningitis, plague, yellow fever, cholera, influenza and most recently Ebola continue to influence not only individuals but the economic and social life within large regions of the world. Most countries have experienced epidemics of one form or another over the past decade. The majority has been contained, but the H1N1 influenza outbreak of 2009 briefly demonstrated the potential for global reach.