{"id":569,"date":"2021-02-03T13:58:21","date_gmt":"2021-02-03T13:58:21","guid":{"rendered":"https:\/\/www.protectline.co.uk\/blog\/?p=569"},"modified":"2021-02-15T16:24:57","modified_gmt":"2021-02-15T16:24:57","slug":"world-cancer-day-4th-february-2021","status":"publish","type":"post","link":"https:\/\/www.protectline.co.uk\/blog\/world-cancer-day-4th-february-2021\/","title":{"rendered":"World Cancer Day &#8211; 4th February 2021"},"content":{"rendered":"<p data-pm-slice=\"1 1 []\">Thursday 4th February is <strong>World Cancer Day<\/strong>.<\/p>\n<p>2021 marks the 21st World Cancer Day led by the Union of International Cancer Control (<a href=\"https:\/\/www.uicc.org\/\" target=\"_blank\" rel=\"noopener noreferrer\">UICC<\/a>).<\/p>\n<p>The UICC aims to raise awareness, improve education and catalyse personal, collective and government action in order to prevent more cancer deaths. They also seek to ensure cancer care and treatment is equal to all.<\/p>\n<p>As a personal protection brokerage, we wanted to help increase awareness of <a href=\"https:\/\/www.protectline.co.uk\/help\/category\/critical-illness-cover\/\" target=\"_blank\" rel=\"noopener noreferrer\">Critical Illness Cover <\/a>and explain how the devastating illnesses brought on by cancer could be covered by our insurers.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Page Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a0c678310620\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #f47422;color:#f47422\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #f47422;color:#f47422\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a0c678310620\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.protectline.co.uk\/blog\/world-cancer-day-4th-february-2021\/#What_does_all_the_jargon_surrounding_cancer_actually_mean\" >What does all the jargon surrounding cancer actually mean?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.protectline.co.uk\/blog\/world-cancer-day-4th-february-2021\/#What_are_the_most_common_cancers_in_the_UK\" >What are the most common cancers in the UK?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.protectline.co.uk\/blog\/world-cancer-day-4th-february-2021\/#Does_critical_illness_insurance_really_pay_out_for_cancer\" >Does critical illness insurance really pay out for cancer?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.protectline.co.uk\/blog\/world-cancer-day-4th-february-2021\/#%E2%80%9CNever_underestimate_the_power_of_cooperation_and_collective_action_to_save_lives_Who_are_you_and_what_will_you_do_on_4_Feb_Speak_up_stand_up_and_take_action_together_this_WorldCancerDay_IAmAndIWill_worldcancerdayorg%E2%80%9D\" >&#8220;Never underestimate the power of cooperation and collective action to save lives. Who are you and what will you do on 4 Feb? Speak up, stand up and take action together this #WorldCancerDay\u00a0#IAmAndIWill worldcancerday.org&#8221;<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_does_all_the_jargon_surrounding_cancer_actually_mean\"><\/span><strong>What does all the jargon surrounding cancer actually mean?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Most people are sadly all too aware of the term &#8216;cancer&#8217;. We all know what the illness fundamentally is, but there are many terms used to describe the size and spread of cancer that you may not be as familiar with.<\/p>\n<p>Below is an example of a Critical Illness Cancer definition taken from <a href=\"https:\/\/www.legalandgeneral.com\/landg-assets\/personal\/life-cover\/_resources\/documents\/lifeinsurance-with-critical-illness-cover-policy-booklet.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Legal &amp; General\u2019s policy documentation<\/a> as of 03\/02\/2021:<\/p>\n<blockquote><p><em>\u201cAny <strong>malignant <\/strong>tumour positively diagnosed with histological confirmation and characterised by the uncontrolled growth of <strong>malignant <\/strong>cells and invasion of tissue. The term malignant tumour includes leukaemia, sarcoma, pseudomyxoma peritonei, merkel cell cancer and lymphoma except cutaneous lymphoma (lymphoma confined to the skin).<\/em><\/p>\n<p><em>For the above definition, the following are not covered: \u00b7 All cancers which are histologically classified as any of the following: \u2013 pre-malignant; \u2013 non-invasive; \u2013 cancer in situ; \u2013 having either borderline <strong>malignancy<\/strong>; or \u2013 having low <strong>malignant <\/strong>potential. \u00b7 All tumours of the prostate unless histologically classified as having a <strong>Gleason score<\/strong> of 7 or above or having progressed to at least clinical TNM classification T2bN0M0. \u00b7 <strong>Malignant <\/strong>melanoma unless it has been histologically classified as having caused invasion beyond the epidermis (outer layer of skin). \u00b7 Any other skin cancer (including cutaneous lymphoma) unless it has been histologically classified as having caused invasion in the lymph glands or spread to distant organs.&#8221;<\/em><\/p><\/blockquote>\n<h4>Cancer grading and staging<\/h4>\n<p>The\u00a0staging\u00a0of a cancer describes the size and how far a cancer has already spread in the body. Pathologists will typically measure the staging of cancer using a Gleason score. The pathologist looks for the 2 most predominant patterns in the cells and then adds the two scores together. They then group the scores into Grades. The table below helps to explain what these grades mean:<\/p>\n<table>\n<tbody>\n<tr>\n<th>Gleason score<\/th>\n<th>Grade Group<\/th>\n<th>What it means<\/th>\n<\/tr>\n<tr>\n<td>Gleason score 6 (or 3 + 3 = 6)<\/td>\n<td>Grade Group 1<\/td>\n<td>The cells look similar to normal prostate cells. The cancer is likely to grow very slowly, if at all<\/td>\n<\/tr>\n<tr>\n<td>Gleason score 7 (or 3 + 4 = 7)<\/td>\n<td>Grade Group 2<\/td>\n<td>Most cells still look similar to normal prostate cells. The cancer is likely to grow slowly<\/td>\n<\/tr>\n<tr>\n<td>Gleason score 7 (or 4 + 3 = 7)<\/td>\n<td>Grade Group 3<\/td>\n<td>The cells look less like normal prostate cells. The cancer is likely to grow at a moderate rate<\/td>\n<\/tr>\n<tr>\n<td>Gleason score 8 (or 4 + 4 = 8)<\/td>\n<td>Grade Group 4<\/td>\n<td>Some cells look abnormal. The cancer might grow quickly or at a moderate rate<\/td>\n<\/tr>\n<tr>\n<td>Gleason score 9 or 10 (or 4 + 5 = 9, 5 + 4 = 9 or 5 + 5 = 10)<\/td>\n<td>Grade Group 5<\/td>\n<td>The cells look very abnormal. The cancer is likely to grow quickly<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>Reference: <a href=\"https:\/\/www.cancerresearchuk.org\/about-cancer\/prostate-cancer\/stages\/grades\" target=\"_blank\" rel=\"noopener noreferrer\">Cancer Research UK<\/a><\/em><\/p>\n<h4>What is &#8216;pre-cancer&#8217;?<\/h4>\n<p>Pre-cancerous conditions are not cancers. This diagnosis occurs when the cells appear abnormal when they are looked at under a microscope, but are more likely to progress into a cancer than normal cells would.<\/p>\n<p>They give many names to these conditions, although they share similar meanings. Listed below are some of the more generic exclusions typically given by insurers:<\/p>\n<ul>\n<li><em>Cancer in situ<\/em><\/li>\n<li><em>Pre-malignant<\/em><\/li>\n<li><em>Borderline malignancy<\/em><\/li>\n<li><em>Low malignant potential<\/em><\/li>\n<\/ul>\n<p>A cancer in situ, for example, is often classified as &#8216;Stage 0&#8217;. The cells have not invaded surrounding tissue and are therefore only found in the place where they first formed.<\/p>\n<h2 data-pm-slice=\"1 1 []\"><span class=\"ez-toc-section\" id=\"What_are_the_most_common_cancers_in_the_UK\"><\/span><strong>What are the most common cancers in the UK?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Some types of cancer are far more well-known than others. The latest statistics from Public Health England show us the three most common cancers in the UK are:<\/p>\n<ul>\n<li>Breast cancer<\/li>\n<li>Prostate cancer<\/li>\n<li>Lung cancer<\/li>\n<\/ul>\n<p>The chart below from Public Heath England shows the latest (2017) publicly available cancer registrations:<\/p>\n<p><iframe loading=\"lazy\" src=\"https:\/\/www.ons.gov.uk\/visualisations\/dvc612\/treemapmaster\/treemap\/index.html\" width=\"100%\" height=\"902px\"><\/iframe><\/p>\n<p>Cancer Research UK shows that 38% of cancer cases in the UK in 2015 were preventable; poor diet, a lack of regular exercise and smoking being the biggest contributing factors. World Cancer Day gives us all an opportunity to reflect on our own lifestyle and any changes we may wish to make.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Does_critical_illness_insurance_really_pay_out_for_cancer\"><\/span>Does critical illness insurance really pay out for cancer?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>According to the <a href=\"https:\/\/www.abi.org.uk\/news\/news-articles\/2020\/05\/record-98.3-of-protection-claims-paid-out-in-2019\/\">Association of British Insurers (ABI)<\/a>:<\/p>\n<ul>\n<li>Cancer is the biggest single reason for an individual critical illness claim, with musculoskeletal\u202fissues being the biggest reason for individual income protection, followed by mental health<\/li>\n<li>91.6% of critical illness claims were paid out in 2019 totalling \u00a3 1,215,957,000. That&#8217;s an average of \u00a3\u202f\u202f67,573.28 per claim<\/li>\n<li>Cancer is the most common cause of claims for critical illness cover<\/li>\n<\/ul>\n<p>It&#8217;s clear to see that critical illness insurance pays out to many UK families, many of whom will be claiming for cancer.<\/p>\n<p>At Protect Line we hope that\u00a0<a href=\"https:\/\/www.worldcancerday.org\/\">World Cancer Day<\/a> will help to further raise awareness and continue to inspire action.<\/p>\n<p>World Cancer Day&#8217;s website put&#8217;s it perfectly:<\/p>\n<h3 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"%E2%80%9CNever_underestimate_the_power_of_cooperation_and_collective_action_to_save_lives_Who_are_you_and_what_will_you_do_on_4_Feb_Speak_up_stand_up_and_take_action_together_this_WorldCancerDay_IAmAndIWill_worldcancerdayorg%E2%80%9D\"><\/span>&#8220;Never underestimate the power of cooperation and collective action to save lives. Who are you and what will you do on 4 Feb? Speak up, stand up and take action together this <a href=\"https:\/\/twitter.com\/hashtag\/WorldCancerDay\" target=\"_blank\" rel=\"noopener noreferrer\">#WorldCancerDay<\/a>\u00a0<a href=\"https:\/\/twitter.com\/hashtag\/IAmAndIWill\" target=\"_blank\" rel=\"noopener noreferrer\">#IAmAndIWill<\/a> worldcancerday.org&#8221;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Critical illness plans may not cover all definitions of a critical illness. The definitions vary between product providers and will be described in the Key Features and Policy Document if you go ahead with a plan.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Thursday 4th February is World Cancer Day. 2021 marks the 21st World Cancer Day led by the Union of International Cancer Control (UICC). The UICC aims to raise awareness, improve education and catalyse personal, collective and government action in order to prevent more cancer deaths. They also seek to ensure cancer care and treatment is [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":574,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[24,41],"tags":[43,42],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.4 (Yoast SEO v19.13) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>World Cancer Day - 4th February 2021 - Protect Line Life Insurance<\/title>\n<meta name=\"description\" content=\"World Cancer Day - What is it? How can cancer be covered by Critical Illness Insurance? 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