Skin Cancer, do you know much about it?

SP Insurance

Skin Cancer is one of the most common cancer in New Zealand. According to the data from Science Learning Hub and Cancer Society, about 67,000 New Zealander developed skin cancer every year, which is about 80% of all types of newly developed cancer. The incidence of melanoma in New Zealand and Australia is about four times that of Canada, the United States and the United Kingdom.

The main reason is:

  • New Zealand's summer UV radiation levels are high
  • Low ozone levels in New Zealand
  • Our outdoor lifestyle, like to sunbathe
  • The proportion of people with fair skin is high

Skin Cancer Classification

Skin cancer is divided into two major categories - melanoma and non-melanoma.

The three most common types of skin cancer are:

  1. Melanoma - The most dangerous skin cancer, accounting for 2/3 of all skin cancer mortality, New Zealand's incidence is the highest in the world.
  2. Squamous cell carcinoma (SCC) - If found early, it is straightforward to treat; if left untreated, the consequences can be fatal.
  3. Basal cell carcinoma (BCC) - the most common and least threatening skin cancer. BCC may also be very serious, if it is not treated in time, which will eventually require surgery.

Skin cancer is preventable.

More than 90% of skin cancers are caused by excessive sun exposure. It is essential to check melanoma early in time because it helps to get the best treatment opportunities.

Here are some tips for you:

  • Hide in the shade as much as possible
  • Wear sun protection or long-sleeved clothing
  • Apply a sunscreen with a sun protection index of at least 30+ and apply it 20 minutes before going out.
  • Wearing sunglasses and hat

From September to next April, New Zealand's ultraviolet radiation level is very high between 10 am and 4 pm. Remember to have enough sun protection during that period.

In New Zealand, will insurance cover skin cancer?

There are several types of insurance on the market that cover cancer, and skin cancer is included.

Health Insurance: The comprehensive coverage of health insurance covers almost all cancer diagnosis and later treatment.

Trauma Insurance:Cancer is one of the diseases under Trauma insurance. According to the type of trauma products and the additional insurance terms selected, the insured person may obtain insurance company benefits at different stages of skin cancer.

Life Insurance: If the insured person has skin cancer and has previously protected the life and the policy is in force, the insured person can also obtain the life insurance claims in advance after being diagnosed with a terminal illness (subject to specific terms).

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