Cervical Screening and HPV Testing
Understanding the association between persistent cervical infection with high-risk human papillomavirus (HPV) and the development of cervical cancer is fundamental when underwriting cases where HPV is present. This article explores the latest research and relationship.
The Added Value of Medical Testing in Underwriting Life Insurance
In present-day life-insurance medical underwriting practice the risk assessment starts with a standard health declaration (SHD). Indication for additional medical screening depends predominantly on age and amount of insured capital. From a medical perspective it is questionable whether there is an association between the level of insured capital and medical risk in terms of mortality. The aim of the study is to examine the prognostic value of parameters from the health declaration and application form on extra mortality based on results from additional medical testing.
The Impact of Different Screening Scenarios on Breast Cancer Incidence
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.
The Whys Behind Prostate Cancer Screening
Insurance blood testing for most, if not all, insurers includes a PSA (prostate specific antigen) test in males above a certain age range. Unlike testing for diabetes or kidney or liver disease, however, the PSA test is more controversial. It allows insurers to price more aggressively with a favorable result and requires more investigation with a questionable one.
Prostate Cancer: Effective Underwriting For A Common Impairment
Most men with prostate cancer die with the disease rather than of it. This is important to note, especially considering that today’s screening tests may pick up many potentially lower-risk cases.
When Is Screening Essential?
The proper assessment of current health is essential for underwriters to come to the best (and hopefully most aggressive) decision on policy pricing. This is straightforward when tests and current assessment of well being have been done by an attending physician and favorable results lead to standard and preferred issues. What about screening tests for health that assess risk and allow both the doctor and patient/insured to look for disease that isn’t currently causing symptoms?