Claims Focus 2015, No. 1
Issue: August 2015 |
By Ross Campbell, Life/Health Chief Underwriter, Research & Development, London
Mary Enslin, Life/Health Claims Specialist, Cologne
Dr. Rainer Koch, Dermatologist, Medical Expert, Kassel
Sue Wightman, Associate Claims Specialist, Cape Town
Body organs aren't all internal. Our largest organ protects the body on the outside – the skin. It can be affected by a variety of influences. On the one hand it is known that sunlight can have a positive effect on health; on the other hand an increased sun exposure in childhood and during one's lifetime is associated with a heightened risk of basal cell carcinoma and melanoma. The American Academy of Dermatology estimates that one in five Americans will develop skin cancer.
Besides cancer there are other skin diseases. Some develop in the work environment due to biological, mechanical or chemical causes. Ross Campbell gives an overview about work-related skin diseases and their risk factors.
The National Eczema Association reports that a substantial proportion of the US population shows symptoms of eczema: 31.6 million. At least 17.8 million suffer from moderate to severe eczema.
Dr. Rainer Koch exemplifies the three general forms of eczema (irritant contact eczema, allergic contact eczema, atopic eczema). Furthermore, he gives advice to claims assessors on how to deal with eczema cases in disability insurance. Mary Enslin gives an update on skin cancer claims with a focus on melanoma and rounds off her thoughts with a case study. Sue Wightman's case study about Kaposi’s sarcoma completes this edition about skin diseases.
Browse the Contents in this publication.