Claims Focus 2016, No. 2
Issue: January 2017 |
L/H General Industry
By Dr. Chris Ball, Life/Health Consulting Medical Officer, London
Mary Enslin, Life/Health Claims Specialist, Cologne
Claire Henshall, Life/Health Head of Claims UK and Ireland, London
Karin Neelsen, Life/Health Actuarial Manager, Cologne
Sharon Coetzee, Senior Claims Executive, Cape Town
Clio Lawrence, Claims Specialist, London
Dieter Ziegenhagen, MD, PhD, University of Cologne, Cologne
Cancer is one of the leading causes of morbidity and mortality worldwide, and The World Health Organization expects the number of new cases to rise by about 70% in the next two decades. Early diagnosis, however, is one of the most effective means to improve the outcome of cancer treatment. Karin Neelsen discusses examples of the recent progress in cancer diagnostics and outlines its challenges and opportunities for the insurance industry. Since cancer is the leading cause of claims under Critical Illness (CI) insurance, she addresses this question: Is the diagnostic progress going to affect the CI claims experience?
Cancer is also a major reason for temporary and long-term income protection claims. Dr. Dieter Ziegenhagen gives an overview of general features of malignant cancer diseases, their classification, treatment and treatment-associated disabilities.
Mary Enslin, Sharon Coetzee and Sue Wightman cover a topic that likewise has a strong link to cancer, Terminal Illness insurance. They describe challenges facing insurers when offering terminal illness riders – ranging from the definition of terminal illness to the claims process.
Fatigue can be related to cancer; other diseases such as MS and stroke can have the same effect on patients' energy. Dr. Chris Ball reviews the causes of fatigue and its measurement, and he provides recommendations for the claims management in disability claims. Two fatigue case studies by Claire Henshall and Clio Lawrence complete this edition.