Rising Cancer Rates in Malaysia: Why Early Critical Illness Insurance is a Must

Cancer is a formidable medical adversary that knows no bounds. In recent years, the alarming rise in cancer rates in Malaysia has left many individuals and families grappling with the emotional, physical, and financial burdens accompanying this dreaded disease.

In this comprehensive article, we'll delve into the rising cancer rates in Malaysia and why securing early critical illness insurance is not just wise but necessary. Let's get started, shall we?

Global cancer statistics 2023

Cancer statistics paint a sobering picture of its prevalence and impact on individuals and societies worldwide. Understanding these statistics is crucial for effectively addressing the challenges posed by cancer.

For example, according to the American Cancer Society and mortality data from the National Center for Health Statistics, in 2023, approximately 1.95 million new cancer cases and 609,000 cancer deaths are projected to occur in the United States alone.

The following are some key figures and trends that define the global cancer landscape.

What is the most common cancer in the world?

According to the World Health Organization (WHO), the most common cancer forms as of 2020 (with regards to new cases) were:

• breast cancer (approx. 2.26 million);

• lung cancer (approx. 2.21 million);

• colon and rectal cancer (about 1.93 million);

• prostate cancer (approx 1.41 million);

• skin cancer (non-melanoma) (about 1.20 million); and

• stomach cancer (1.09 million cases).
  
  

The most prevalent and common causes of cancer deaths in 2020 were:

• lung cancer (1.80 million deaths);

• colon and rectal cancer (916 000 deaths);

• liver cancer (830 000 deaths);

• stomach cancer (769 000 deaths); and

• breast cancer (685,000 deaths).

 

Which country has the highest cancer rates?

While cancer has no borders, some countries have higher cancer incidence rates than others.

According to the World Population Review, using data from the WHO, Australia has the world's highest age-standardised cancer rate at 452.4 cases per 100,000 people.

Furthermore, Australia has some of the highest rates of breast cancer and melanoma globally, with New Zealand (745.2) and Ireland (645.1) ranking second and third.

Which country has the lowest cancer rates?

Conversely, certain countries boast lower cancer incidence rates. On the other end of the World Population Review chart, Niger has the lowest age-standardized (ASR) cancer rate globally— at just 40.4 cases per 100,000 people. Gambia (42.8) and Nepal (70.4) follow close behind.

However, it is also imperative to remember that these numbers mainly estimate cancers that have been detected— not total cases in existence. Nonetheless, because many people in developing nations like Niger, Gambia, and Nepal lack access to quality medical care, their cancers are likely going undiagnosed, which arguably suppresses case counts.

Cancer statistics in Malaysia

Like many other nations, Malaysia has witnessed a troubling rise in cancer cases. Understanding the specific landscape of cancer in Malaysia is essential for Malaysians seeking to protect themselves and their loved ones.

What cancer is most common in Malaysia?

According to the WHO, the most common new cancer cases throughout 2020 were:

• Breast cancer (8,418 new cases)

• Colon and rectal cancer (6,597 new cases)

• Lung cancer (5,139 new cases);

• Nasopharynx cancer (2,222 new cases)

• Liver cancer (2,149 new cases)

 

Is cancer the leading cause of death in Malaysia?

To understand the healthcare landscape and the leading causes of death in Malaysia, we must examine the role of cancer in the nation's mortality statistics.

As of the latest available data, cancer ranks as one of Malaysia's leading causes of death. However, it is essential to note that the exact ranking may vary slightly from year to year. Here are some vital points to consider regarding cancer's status as a leading cause of death in Malaysia:

• High incidence rates: Malaysia has experienced a noticeable increase in cancer incidence rates recently. This rise in new cancer cases has put pressure on the healthcare system and underscores the importance of cancer prevention and early detection efforts.

• Variation by gender: The prevalence of specific cancer types can vary by gender. For instance, breast cancer is a significant concern among Malaysian women, while prostate cancer is common among men. This variation impacts the overall ranking of cancer as a leading cause of death.
  
  

So, while cancer is undoubtedly a significant health concern in Malaysia, whether it holds the top position as the leading cause of death may vary depending on the specific year and population demographics.

Nonetheless, the rising incidence of cancer in the country underscores the importance of cancer awareness, early detection, and comprehensive healthcare support systems to mitigate its impact on individuals and families in Malaysia.

Why are cancer rates increasing?

Understanding the drivers behind the increasing cancer rates is crucial for prevention and early intervention. Here are the key factors contributing to the surge in cancer rates:

Lifestyle choices and habits

Tobacco use

Tobacco use, particularly excessive smoking, remains one of the leading causes of preventable cancers globally. The harmful chemicals in tobacco products may damage DNA, leading to the development of various cancers, including lung, mouth, throat, and bladder cancer.

Unhealthy diets

Diets rich in processed foods, red and processed meats, and sugary beverages are linked to an increased cancer risk. These dietary choices contribute to obesity, a risk factor for disparate types of cancer, including breast, colon, and pancreatic cancer.

Lack of physical activity

Sedentary lifestyles have become increasingly prevalent, leading to weight gain and obesity. Physical inactivity correlates with a higher risk of several cancers, including colorectal and breast cancer.

Environmental factors

Pollution and carcinogens

Exposure to environmental pollutants, industrial chemicals, and carcinogens may elevate cancer risk. For example, long-term exposure to air pollution, asbestos, and certain chemicals may lead to lung cancer and mesothelioma.

Radiation

Exposure to ionising radiation, such as medical radiation and excessive ultraviolet (UV) radiation from the sun may increase the risk of skin and other cancers. Public education on sun protection and responsible use of medical imaging is crucial in reducing radiation-related cancer cases.

Genetic factors

Hereditary factors

Some individuals inherit genetic mutations that predispose them to specific types of cancer. For example, mutations in BRCA1 and BRCA2 genes increases the risk of breast and ovarian cancer.

Sporadic mutations

While hereditary factors do play a part, sporadic mutations that happen throughout a person's lifetime due to things like ageing and exposure to carcinogens account for many cancer cases.

In a nutshell, the rising cancer rates result from a complex interplay between lifestyle choices, environmental factors, and genetic predisposition. Public health initiatives, cancer awareness campaigns, and early detection programmes are essential to combat this trend effectively.

The role of early detection and treatment

Early detection and timely intervention may play a pivotal role in the fight against cancer. It improves survival rates and appreciably enhances the quality of life of cancer patients.

Survival rates improve with early detection

One of the most compelling reasons for early detection is its significant impact on cancer survival rates. When cancer is detected at an early, localised stage, treatment options are often more effective, and the chances of survival are substantially higher.

For instance, the 5-year survival rate for breast cancer detected at an early stage is much higher than for advanced-stage breast cancer.

Importance of regular screenings and medical check-ups

Regular screenings and medical check-ups are instrumental in identifying cancer at its earliest, most treatable stage. Many cancers, including breast, colorectal, and cervical cancer, may be detected through routine screenings and diagnostic tests.

These screenings allow healthcare professionals to identify cancer before it spreads, increasing the likelihood of successful treatment.

Advances in cancer treatment and impact on survival rate

Advancements in cancer treatment, such as precision medicine, have revolutionised how we approach cancer care. Precision medicine involves tailoring treatment plans to an individual's unique genetic makeup— allowing for more targeted and effective therapies.

By identifying specific genetic mutations in a patient's cancer cells, oncologists can prescribe treatments that are more likely to work.

Financial burden of cancer treatment and insurance coverage

Cancer treatment can be an immense financial burden on patients and their families. The costs associated with surgery, chemotherapy, radiation therapy, and supportive care can add up quickly.

Consequently, this financial strain often deters individuals from seeking treatment early, which can adversely affect their health outcomes. This is where adequate insurance coverage, such as critical illness insurance, plays a crucial role.

This insurance provides financial support to individuals diagnosed with specific life-altering diseases, including cancer. In practice, it offers a lump sum payment upon diagnosis, which can be used to cover medical expenses, ongoing treatment, and even non-medical expenses like household bills and childcare.

By having critical illness insurance in place, individuals can focus on recovering without stressing about finances.

How does early critical illness insurance help cancer patients?

Critical illness insurance is expressly designed to provide financial support to individuals facing life-altering diseases like cancer. Let's delve into the details of two critical illness insurance plans: PRUMy Critical Care and PRUCancer X.

PRUMy Critical Care

PRUMy Critical Care offers comprehensive protection against various critical illnesses, including cancer. It provides financial assistance when you need it most, with lump sum payments to help you cover expenses beyond medical costs, comprehensive coverage of up to 160 conditions, and early-to-late-stage critical illness coverage.

One can also claim a maximum of 200% rider sum assured per category under re-diagnosis, for which coverage is provided for Cancer, Heart Attack and Stroke categories before age 85 (The condition must be unrelated to the first diagnosis).

PRUCancer X

PRUCancer X is a specialised critical illness insurance plan that caters to cancer patients. It offers tailored coverage and benefits, addressing the unique challenges individuals battling this disease face.

Some advantages include affordable premiums, easy enrollment, and early-stage coverage, where a portion of the coverage amount is paid out upon the diagnosis of specific types of cancer, such as carcinoma in situ.

Conclusion

In conclusion, the rising cancer rates in Malaysia are a cause for concern, making it imperative for individuals to consider early critical illness insurance to safeguard their health and financial well-being.

Cancer knows no bounds, and its impact can be devastating. By understanding the importance of early coverage, such as lower premiums and comprehensive protection, we can better equip ourselves to face the challenges posed by this relentless disease. Take time to prioritise your health and financial security today.