Prostate Cancer Insurability: Population Identification Within the Insurability Corridor and the Right to be...

Area of Science:

• Oncology
• Actuarial Science
• Public Health

Background:

• Prostate cancer affects millions globally, necessitating clear insurability criteria for survivors.
• Current insurance evaluations often exclude patients based on tumor severity (AJCC, TNM, PSA, Gleason Score).
• Regulations like France's 'Right to Be Forgotten' aim to improve survivor insurability.

Purpose of the Study:

• To develop a novel risk assessment model for prostate cancer patient insurability.
• To define an 'acceptance corridor' for determining standard insurance rates for survivors.
• To broaden insurance options for prostate cancer patients by refining risk evaluation.

Main Methods:

• Utilized patient data from the SEER database linked with mortality tables.
• Developed a Cox survival model to estimate long-term survival risk.
• Defined an 'acceptance corridor' based on age-specific survival risk and premium limits.

Main Results:

• Established age-specific survival risk groups for prostate cancer patients.
• Defined an 'acceptance corridor' with upper and lower boundaries for insurability.
• Identified criteria for distinguishing insurable from uninsurable individuals based on risk.

Conclusions:

• The proposed risk assessment method broadens insurability options for prostate cancer survivors.
• The 'acceptance corridor' provides a framework for standard rate acceptance.
• This approach can be adapted to evaluate the impact of regulations on cancer patient populations.