JOIN
US
IN
THE
FIGHT
• CANCER IN INDIA
BACKGROUND AND FACTS
The current Indian population is 1.27 billion
The incidence of cancer in India is 70-90 per 1,00,000
Population
Estimated number of people living with the disease is
around 2.5 million
New cancer patients registered every year is over 7
lakh
More than 70% of the cases are in advanced stage
5,50,000 cancer related deaths occurs each year
About 6% of all deaths in India are due to cancers
India is likely to have over 17.3 lakh new cases of cancer
and over 8.8 lakh deaths due to the disease by 2020
Cancers of breast, lung , cervix and oral cancer
will top the list
71% of all cancer are occurring in the age group 30 to
69 years
For every two women diagnosed with breast cancer one
dies
Every 8 minutes one women dies of cervical cancer
Mumbai’s Tata memorial hospital registered 61000 cancer cases last
year
Tata Memorial sees 5 % to 8% growth in the number of cases every
year
Incidence of cancer is increasing
Only a small fraction of Indians has health insurance cover
The insurance cover opted is very low
Average cover that most people take is between Rs. 1 to 2 lakh
• WHAT IS CANCER ?
Cancer is the uncontrolled growth of
abnormal cells anywhere in the body
Cancer can affect ANY ONE ANY TIME
• Who is prone to cancer ?
There is scientifically established evidence to link probability of
cancer occurrence with specific profiles and lifestyles
Women – Women are more prone to cancer than men
For every 1 lac population, 326.3 women die of cancer compared
to 103.1 men
Smokers/ Tobaco users : 35-40% of all cancer claims are related to
tobaco use
80% of cancers in oral cavity and lungs have been of users of tobacco
through smoking or chewing
Hereditary route:Members of families with occurrence of cancer in their
lineage are likely to be cancer carriers
Cancer prone personality: People who suppress emotions and deal with them
negatively are more prone to cancer
Top five cancers in men and women in india
MEN WOMEN
1 LIP, ORAL CAVITY BREAST
2 LUNG CERVIX
3 STOMACH COLORECTUM
4 COLORECTUM OVARY
5 PHARYNX LIP, ORAL CAVITY
Different stages
Carcinoma In Situ (CIS): In the first time ever histologically-proven stage, the cancer cells
have not yet penetrated the basement membrane or invaded the surrounding tissues.
Early stage: In this stage, there is a presence of any of the specified malignant conditions that
can invade and destroy nearby tissue.
Major stage: This stage is characterised by the first ever malignant tumour with uncontrolled
growth and spread of malignant cells with invasion and destruction of normal tissues
Critical stage: Any cancer that meets the definition of "major stage" and the insured individual's
oncologist has determined that the cancer has progressed to Stage IV is the critical stage.
RISE IN THE NUMBER OF CANCER CASES
CANCER WORLD WIDE INCIDENCE MORTALITY INCIDENCE IN PREDICTION
TYPE PREVALENCE IN INDIA IN INDIA INDIA IN INDIA
(2012) (2012) (2015) (2020)BUTIO
LUNG 1825000 77003 52067 86599 88831
BREAST 1677000 144937 70218 155863 174706
CERVICAL 528000 122844 67477 132314 148624
ORAL 140900 77003 52067 83357 94903
DISTRIBUTION OF DIFFERENT TYPES OF CANCER IN INDIA
What causes cancer
Genetics
Radio active agents
Pollution (air &water)
Lifestyle factors, stress
Unhealthy diet
Delayed child birth & changing breast feeding pattern
Smoking
Tobacco consumption
Alcohol, Narcotic drugs
Virus (HPV & hepatitis C & B)
Exposure to sun
Physical inactivity
Obesity
RISING INCIDENCE OF BREAST CANCER IN INDIA
IMPACT OF CANCER IN INDIA
Diagnosis of cancer causes immense emotional trauma
Treatment of cancer is a major economic burden
There is loss of income and increase in expenses
It could affect both family’s daily functioning and economic
situation
There is lot of fear and misconception about the disease
Many people prefer traditional and alternative therapies (lack of side
effects and low cost)
State of public sector health care is poor which is pushing 45% of
families with one cancer patient below poverty line
Cancer treatment from private hospitals is out of the reach of millions
The middle class have to dip into their savings to pay for their
treatment
69% Indians have no financial arrangement to deal with cancer
• Cancer Treatment
No two cancer types have same treatment
Common cancer treatment include:
Surgery
Radiation therapy
Chemotherapy
Immunotherapy
Targeted therapy
Expenses vary according to the treatment
Treatment depends upon the patient’s age and medical history
Cancer diagnosed early in first or second stage can be cured completely
at comparatively lower cost
Third or advanced stage cancer that cost much higher
People with cancer have medical expenses like
• Hospital visits
• Lab tests (blood tests, urine tests, and more, which are
usually billed separately)
• Clinic visits for treatments
• Procedures (for diagnosis or treatment, which can
include room charges, equipment, different doctors,
and more)
• Imaging tests (like x-rays, CT scans, and MRIs, which
may mean separate bills for radiologist fees,
equipment, and any medicines used for the test)
• Radiation treatments (implants, external radiation, or
both)
• Drug costs (inpatient, outpatient, prescription, non-
prescription, and procedure-related)
• Hospital stays (which can include many types of costs
such as drugs, tests, and procedures as well as nursing
care, doctor visits, and consults with specialists)
• Surgery (surgeon, anesthesiologist, pathologist,
operating room fees, equipment, medicines, and
more)
• Home care (can include equipment, drugs, visits from
specially trained nurses, and more)
• Cancer Surgery Cost in different cities depends upon
Location
Infrastructure of hospitals
Room facility (general, twin sharing, deluxe etc.)
Techniques and the machines used
Common cancer tests and investigations cost
Surgeon and other doctors’ fee/ follow-up visits
Cost of living at the geographical location
Other costs
Cancer Treatment can take anywhere from few days to a
few months or even years
Specific drugs are required
Average cost ranges from 5 lakhs to 25 lakhs
Recurring travel cost to avail treatment and for follow up
One may need to pay for lodging as well
Family and living Expenses
Nursing facility required at home
Cost of diet
Loss of wages or income
Repayment of loan
Medical insurance companies are reporting more claims by cancer
patients
Claims reimbursement data shows that the number of patients fighting
cancer and surviving it is increasing
Cancer is considered a disease of the elderly
However one in five reimbursement demands come from those age
between 36 and 45
In the year 2011-12 over 45000 claims for cancer were made
Overall settlement amount was 163 crores
Claims for cancer treatment have gone up 33% from 2012 to 2013
reported a Chief executive of a private Medical insurer provider
Cancer is the 4th highest among all health conditions for which claims is
paid
Mental and emotional strength is very important to
fight Cancer
But financial strength is just as important
Financial cost of cancer goes beyond treatment
Cancer can be detected, treated and cured at an
early stage
WITH LIC’s CANCER COVER POLICY
YOU WILL NEVER HAVE TO LEAVE
YOUR FAMILY
IN FINANCIAL CRISIS
PROTECT YOURSELF FROM RISING COST OF
CANCER CARE
YOU WILL BE surprisedTO KNOW HOW
AFFORDABLE
CANCER INSURANCE POLICIES CAN BE
THEY ARE WORTH IT FOR THOSE WHO
ARE HIGH RISK
THANKS
FOR
ATTENDING
THE
SESSION
SHOBHANA SURESH KUMAR
FM(STC/MUMBAI)
