1. Oncological Health Insurance

2. CANCER
WHAT IS THE BIGGEST CHALLENGE TO THE HEALTH INSURANCE FOR THE NEXT DECADES?
LONGEVITY

3. “EPIDEMIC” OF THE DEVELOPED WORLD
WE ALL KNOW ABOUT A CASE OF CANCER AND, MORE AND MORE, A CASE OF SOMEONE RELATED TO US

4. Cancer Incidence Worldwide
New cases
THOUSANDS
+ 58%
Global data
All cancers excluding Skin, non melanoma
Source: Globocan 2012 (IARC)

5. Cancer incidence worldwide
Both sexes
BREAST
PROSTATE
COLORECTUM
LUNG
LUNG
STOMACH
LIVER
COLORECTUM
All cancers excluding non-melanoma skin cancer
242.9+
<101.3
No Data
Source: GLOBOCAN 2012 (IARC)

6. people having cancer during lifetime
in Manuel Sobrinho Simões
O Cancro, 2014
SURVIVAL WILL INCREASE
1 out of every 4 people of our generation
1 out of every 3 people born in the last decade
1 out of every 2 people born in the next decades

7. New drugs for cancer approved by FDA (Food And Drug Administration)
Trastuzumab-emtasine
afatinib
dabrafenib
lenalidomide
mechlorethamine
pomalidomide
Ra 223 dichloride
trametinib
ibrutinib
obinutuzumab
New drugs for cancer approved by FDA (Food And Drug Administration)
abiraterone acetate
asparaginase Erwinia
brentuximab vedotin
crizotinib
ipilimumab
vandetanib
vemurafenib
ixabeoilone
lapatinib
nilotinib
temsirolimus
nelarabine
soragenib
everolimus
ofatumumab
2004
2006
2008
2005
2007
2009
2011
2013
2010
2012
2014 …
bevacizumab
cetuximab
cinacalcet
clofarabine
erlotinib
pemetrexed
dasatinib
gardasil
panutinib
nitumumab
vorinostat
bendamustine
degarelix
cabazitaxel
denosumab
eribulin mesylate
sipuleucel-T
axitinib
bosutinib
cabozantinib
carfilzomib
enzalutamide
Ingenol mebutate
Omacetaxine mepesuccinate
ponatinib
regorafenib
Tbo-filgrastim
vismodegib
aflibercept
ramucirumab
ceritnib …
Source: SwissRe

8. Diagnosis and treatment costs
(examples)
PET – tomography with positrons €
Genetic tests €
Genomic tests € to €
1 chemotherapy session €
1 chemotherapy session with a new drug €
Patient that spent more in the last 5 years €

9. People exceeding capital limit in the 1st year of outpatient and/or inpatient coverage
Breast
39%
Prostate
32%

10. THE CONFIRMATION OF A CAPITAL INSUFFICIENCY
Increase of disease incidence
Increase of private healthcare offer
The acknowledgement of the importance of a timely diagnosis
New technics and new drugs that are more expensive
THE CONFIRMATION OF A CAPITAL INSUFFICIENCY

11. 1st Oncological Health Plan

12. New product New concept
ONE DIAGNOSIS
A SINGLE COVERAGE
MULTIPLE COVERAGES
MEDICATION
OUTPATIENT
STOMATOLOGY
ONCOLOGY 100%
INPATIENT
T-GMK-04 (0)

13. New product New concept
ONE DIAGNOSIS
MULTIPLE COVERAGES
MEDICATION
OUTPATIENT
STOMATOLOGY
ONCOLOGY 100%
INPATIENT
T-GMK-04 (0)

14. Oncology Plan ONCOLOGY 100% ONE DIAGNOSIS A SINGLE COVERAGE Inpatient
Outpatient
Medication
Stomatology
Rehabilitation
Recovery healthcare
Palliative care
Home care
Nutrition
Psycho-oncology
Alternative medicine
Support in transportation
ONCOLOGY 100%
T-GMK-04 (0)

15. Oncology Plan 2nd OPINION SERIOUS DISEASES 1.000.000€ ONCOLOGY
REMAINING PATHOLOGIES
Inpatient €
Outpatient €
Stomatology €
Medication €
Prostheses and orthoses 750 €
Aternative medicine 500 € €
€ (lifetime limit)
100%
2nd OPINION
SERIOUS DISEASES €
OPC

16. Oncology Plan ONCOLOGY REMAINING PATHOLOGIES 100% WITH DEDUCTIBLES
SAME AS STANDARD OFFER
WITH DEDUCTIBLES
WITH CO-PAYMENTS
MULTICARE NETWORK
REIMBURSEMENT
NO DEDUCTIBLES
NO CO-PAYMENTS
EXCLUSIVE NETWORK
SUBSCRIPTION AGE LIMIT: 60 YEARS OLD
NO AGE LIMIT TO STAY
90 DAYS GRACE PERIOD (60 DAYS IN LUZ SAÚDE HOSPITALS)

17. Exclusive Network
Oncology Coverage
T-GMK-04 (0)

18. Probability of survival PREVENTION AND EARLY DETECTION
Cancer Causes
5% genetic
PREVENTION AND EARLY DETECTION
95% environmental
5-year breast cancer

19. Prevention Program 50 40 Year 0 Year 1 Year 2 Year 3 Year 4 Year 5
appointments:
evaluation/family risk gynecology/urology dermatology
evaluation
evaluation gynecology/urology
evaluation
evaluation gynecology/urology
evaluation dermatology
Year 0
Year 1
Year 2
Year 3
Year 4
Year 5
examinations:
CBC + PFH +PFR+PFT
Occult blood testing
ECG Mammography + cytology + HPV Ultrasounds Full colonoscopy Helical CAT
CBC + PFH +PFR+PFT
Occult blood testing
Cytology Ultrasounds
CBC + PFH +PFR+PFT
Occult blood testing
ECG Mammography + Cytology Ultrasounds
CBC + PFH +PFR+PFT
Occult blood testing
Cytology Ultrasounds
CBC + PFH +PFR+PFT
Occult blood testing
ECG Mammography + Cytology Ultrasounds
CBC + PFH +PFR+PFT
Occult blood testing
Cytology + HPV Ultrasounds Full colonoscopy Helical CAT

20. oncologicalsupport@multicare.pt 1. 2. 3.
a dedicated administrative team which provides a personalized assistance service supported by oncologists and nurses 1. 2. 3.
SUPPORT FOR THE ACTIVATION OF THE POLICY and in clarification of doubts regarding insurance coverage.
SUPPORT IN 2ND MEDICAL OPINION and in treatments abroad.
CLIENT AND FAMILY FOLLOW-UP THROUGHOUT THE PERIOD OF DISEASE, scheduling of appointments, complementary diagnostic tests, treatments, as well as all the necessary logistical support.
Acompanhamento do colaborador e sua família durante todo o período de internamento, ou no acesso a cuidados de saúde em ambulatório complementares ao internamento - marcação de consultas, exames auxiliares de diagnóstico, tratamentos, bem como todo o apoio logístico necessário.