Hi everyone, I have Cillian Tierney with me on the podcast to talk about the way that insurers in the EU are responding to the Right to be Forgotten. This legislation require insurers to give consumers the right to not disclose that they have had cancer when they apply for some protection insurances. The rules are different across countries and some might choose to say that you don’t need to tell the insurer that you’ve had cancer after 2 years, 5 years or more. It might be applied to all protection products or just certain ones.

Cillian is the Global Head of Medical Underwriting Propositions and Products at PartnerRe and is sharing his knowledge of how RTBF has developed in the Irish insurance market. This is potentially quite an emotional topic and we are clear from the start that we are talking about this situation from a technical basis, that might not be easy for some people to hear.

The key takeaways:

• The Right to be Forgotten is not currently legislated in the UK.
• How insurers determine the ways to assess insurance applications for people that have been diagnosed with cancer.
• Three case studies that show where the RTBF would and wouldn’t improve terms for someone that has experienced cancer.

Opinions expressed are solely those of the author. This podcast is for general information, education and discussion purposes only. It does not constitute legal or professional advice and does not necessarily reflect, in whole or in part, any corporate position, opinion or view of PartnerRe or its affiliates.

Next time I will be back and focusing upon protection insurance planning when you have made a gift within the UK. There are very specific do’s and don’ts and the Trusts are really key!

Remember, if you are listening to this as part of your work, you can claim a CPD certificate on our website, thanks to our sponsors Octo Members.

If you want to know more about how to arrange protection insurance, take a look at my 13 hour CPD Protection Insurance in Practice course here and 1 hour CPD Protection Competency Exam here.

Transcript Disclaimer:

Episodes of the Practical Protection Podcast include a transcript of the episode’s audio. The text is the output of AI based transcribing from an audio recording. Although the transcription is largely accurate, in some cases it is incomplete or inaccurate due to inaudible passages or transcription errors and should not be treated as an authoritative record.

We often discuss health and medical conditions in relation to protection insurance and underwriting, always consult with a healthcare professional if you are concerned about any medical conditions and symptoms we have covered in any episode.