The Importance of Health Insurance on World Cancer Day

Cancer — a disease that impacts millions — currently sees an estimated 20 million* new cases worldwide each year. To inspire action and foster awareness, February 4th is globally recognised as World Cancer Day (UICC). This powerful initiative unites communities across the world to educate, advocate, and support those affected by cancer. 

By emphasising early detection, improved treatment options, and compassionate care, World Cancer Day aims to lessen the burden of this devastating illness. Together, we can transform awareness into action and make a profound difference for millions of lives.

Disclaimer: The content is for informational purposes only and is not a substitute for professional medical advice. Please consult a qualified doctor or healthcare professional in case of any issues or queries.

*As of 2022

The Theme of World Cancer Day 2025

United by Unique: World Cancer Day 2025

• Date: February 4, 2025
• Theme: ‘United by Unique’
• Objective: Emphasising the importance of placing individuals at the center of cancer care

• Key Message: Every person's cancer journey is unique, yet we are united in the goal to reduce the cancer burden and improve lives

Focus Areas

• Personalised Care: Tailoring treatment to individual needs
• Empathy and Compassion: Recognising the person beyond the patient
• Community Engagement: Involving families and communities in the care process

Campaign Goals

• Year 1 (2025): Encouraging individuals to share their unique cancer stories to build a collective narrative
• Year 2 (2026): Exploring different dimensions of people-centered cancer care
• Year 3 (2027): Inspiring meaningful and lasting action in cancer care

How to Get Involved

• Share Your Story: Contribute personal experiences to highlight diverse cancer journeys
• Participate in Events: Join local and global activities promoting the campaign
• Advocate for Change: Support policies that prioritise people-centered cancer care

The theme for 2025 is ‘United by Unique’, emphasising the importance of placing individuals at the center of cancer care.

Why This Theme?

‘United by Unique’ acknowledges that each person's experience with cancer is distinct, shaped by personal stories, needs, and perspectives. Despite these differences, there is a collective ambition to reduce the cancer burden, achieve successful treatments, and improve the quality of life for those affected. 

The campaign aims to move beyond viewing individuals merely as patients, recognising them as people first.

Importance of ‘United by Unique’

1. Personalised Care: Tailoring cancer care to individual needs can lead to more effective treatments and improved patient outcomes
2. Holistic Approach: Considering the emotional, psychological, and social aspects of a person's life ensures comprehensive support throughout their cancer journey
3. Community Engagement: Encouraging stories and experiences from diverse individuals encourages a sense of unity and shared purpose in the fight against cancer
4. Advocacy for Equity: Highlighting unique experiences can shed light on disparities in care, which prompts actions toward equitable healthcare access for all

What is Cancer? 

Cancer is a disease where some cells of the body grow uncontrollably and spread to other parts of the body. 

Normally, cells grow and divide to form new cells as the body needs them. When cells grow old or become damaged, they die — new ones take their place. Sometimes, however, this orderly process breaks down and abnormal or damaged cells grow and multiply when they shouldn't. These cells may form tumours, which can be cancerous (malignant) or non-cancerous (benign). 

Cancerous tumours can invade nearby tissues and spread to other parts of the body.

Some of the major types of cancer are —

1. Breast Cancer: The most frequently diagnosed cancer among women in the UAE
2. Colorectal Cancer: Affects both men and women, with a notable incidence rate in the UAE population
3. Thyroid Cancer: Particularly common among women
4. Leukemia: A type of blood cancer prevalent in both adults and children
5. Prostate Cancer: Among the top cancers affecting men in the UAE, with a significant number of cases reported annually
6. Lung Cancer: A leading cause of cancer-related deaths among men, often associated with smoking

What are the Causes of Cancer?

The development of cancer has been generally associated with a combination of genetic, environmental, and lifestyle factors. Here are some key contributors — 

1. Smoking is the leading cause of cancer, responsible for approximately 15% of cases
2. Being overweight or obese increases the risk of several cancers, including those of the bowel, kidney, and womb
3. Alcohol intake is linked to an increased risk of various cancers such as breast and liver cancer
4. Lack of regular exercise can contribute to weight gain and increase cancer risk
5. Certain infections, like human papillomavirus (HPV) and hepatitis B or C, can lead to cancer development
6. Both ionising (like X-rays) and non-ionising (such as ultraviolet light) radiation can damage DNA and lead to cancer
7. Exposure to substances like asbestos, benzene, and air pollution can increase cancer risk
8. Inherited genetic mutations can predispose individuals to certain types of cancer

Cancer and Health Insurance in the UAE

The coverage for cancer in health insurance varies across the Emirates, with specific programs and policies in place to support patients.

Dubai: Comprehensive Coverage through the BASMAH Initiative

In Dubai, the Dubai Health Authority (DHA) launched the BASMAH initiative to enhance cancer care. This program confirms that all medical insurance policies cover screening and treatment for breast, colorectal, and cervical cancers. Residents with mandatory health insurance are automatically eligible for these services, regardless of their plan's annual coverage limit.

Abu Dhabi and Northern Emirates: Coverage Limitations

In Abu Dhabi and the Northern Emirates, health insurance coverage for cancer treatment is generally subject to the annual policy cap. Basic plans might cover up to AED 250,000 annually — once this limit is reached, patients are responsible for additional costs. Unlike Dubai, there are no specific initiatives like BASMAH in these regions.

Key Considerations for Health Insurance Coverage

When evaluating health plans in the UAE, consider the following — 

1. Coverage Limits: Some plans have a limit of AED 150,000 for chronic conditions, including cancer, which may not be sufficient. Look for plans without such limits for comprehensive coverage.
2. Co-Payments: For inpatient treatments, co-pays on essential plans are usually capped at AED 500 per visit or AED 1,000 per year. Many full-coverage plans don’t require co-pays for inpatient care. Outpatient care co-pays can range from 10–20% of the bill.
3. Pre-Existing Conditions: Disclose any pre-existing health conditions to the insurance company — non-disclosure can affect coverage eligibility.
4. Family History: A family history of cancer usually doesn’t increase premiums. However, insurers might charge extra if there are other health issues.

When to Buy Health Insurance with Cancer Coverage in the UAE?

Obtaining health insurance with cancer coverage is a proactive measure to safeguard against the costs associated with cancer treatment. 

In the UAE, it's advisable to secure such coverage before any diagnosis or onset of symptoms. Buying a health policy while in good health provides comprehensive coverage without the complications that pre-existing conditions can introduce.

Considerations for Pre-Existing Conditions

If you've already been diagnosed with cancer or are exhibiting symptoms, obtaining health insurance becomes more complex — 

1. Disclosure Requirements: It's imperative to fully disclose any pre-existing conditions when applying for medical insurance. Non-disclosure can lead to claim denials or policy cancellations.
2. Waiting Periods: Many insurers enforce a waiting period, usually ranging up to 6 months, during which coverage for pre-existing conditions is restricted. During this time, treatments related to existing conditions may not be covered.
3. Premium Adjustments: Insurers may increase premiums to offset the higher risk associated with pre-existing conditions. This adjustment reflects the anticipated costs of managing existing health issues.

Recommendations

1. Early Enrollment: To get comprehensive coverage, it's best to enroll in a health insurance plan with cancer coverage before any diagnosis. This approach avoids the limitations and higher costs associated with pre-existing conditions.
2. Policy Review: Carefully examine policy terms, focusing on coverage limits, waiting periods, and exclusions related to cancer treatment. 
3. Consultation: Seek advice from insurance experts like Policybazaar.ae who can provide personalised guidance to help you choose the most suitable coverage.

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