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It’s time for insurers to rethink how they quantify and reduce smoking risks. Smoking risks affect life and health insurers worldwide. Tobacco risks and regulations have an impact on underwriting, pricing, claims and reserves in all countries. Smokers account for a significant proportion (10–15 percent) of life and health insurers’ books of business, and insurers worldwide are exposed to the mortality and morbidity effects of tobacco. Smokers also number disproportionately among the uninsured, and insurers may be missing out on smoker segments that are insurable – relatively “good risks” within a spectrum – but currently priced out of the market.
The report reviews current insurer practices and challenges relating to how they detect policyholders’ smoking status, quantify smoking risks, and reduce risks through smoking cessation. It then recommends potential solutions leveraging emerging technologies, products, and processes to address these barriers. Solutions are illustrated with real-world case studies from organizations innovating at the frontier.
In a paper @MarewaGlover co-authored, she explores how #tobaccocontrol initiatives ignore #indigenous communities. On #IndigenousPeoplesDay, read about the groups that have disproportionately high smoking rates and the potential solutions. https://bit.ly/3gvtYYI
Many governments in #LatinAmerica (including #Mexico, #Argentina, & #Brazil) have passed restrictive policies on safer #nicotine products. @VIDAdotNEWS hosted a panel discussion on the unintended consequences of strict regulations in Latin America.
Live right now: "Why Bans Are Not Best for Latin America"
Kevin McGirr, a professor with Community Health Systems at @UCSFNurse, joins Derek Yach (@swimdaily) on the Global Health Perspectives podcast. Kevin and Derek discuss the link between #mentalhealth conditions and #nicotine addiction. https://bit.ly/3gxAIFu
Overall, global #TobaccoControl research, policies, and interventions largely neglect issues specific to women. In a new paper, @a_solowoman analyzes how #gender-blind execution of the #FCTC negatively impacts #womenshealth. https://bit.ly/39YqyeA
The Dubrovnik Consultation brought together top economists and legal experts from various geographies to identify areas for #tobaccoharmreduction #regulation. The expert contributions that support public health goals are summarized here: https://bit.ly/3i7QiZ2
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