Underwriting Focus 2016, No. 2
Issue: October 2016 |
By Claudia Breuer, Life/Health Senior Underwriter, Cologne
Dr. Chris Ball, Life/Health Consulting Medical Officer, London
Irene Ng, Life/Health Branch Manager, Singapore
Annika Tiedemann, Life/Health Underwriting Manager, Cologne
Prof. Dr. Christian E. Elger, University of Bonn, Bonn
Linda Nicholls, Senior Underwriter, Cape Town
Silke Naumann, Senior Underwriter, Cologne
Dr. John O’Brien, Chief Medical Officer, London
Epilepsy is a common disease affecting about 50 million people worldwide. Although the clinical picture – especially of a Grand Mal seizure – can be quite shocking and is associated with social discrimination, the prognosis generally is very good.
Alzheimer’s disease accounts for 60%-70% of dementia cases. With a higher life expectancy and an aging population, case numbers are expected to increase from 35 million to 115 million by 2050.
Both neurological diseases pose tremendous challenges for underwriters in Life and Health insurance companies. The current edition of Underwriting Focus gives a medical overview of epilepsy and Alzheimer’s, and it specifically addresses mortality and morbidity issues. Gen Re colleagues round off the picture with underwriting recommendations for epilepsy and insights into future insurance trends concerning dementia in different countries.