Multi-Cancer Early Detection: Insurance questions amid new evidence
Presented by RGA
New results from the highly anticipated NHS-Galleri study show that the trial did not meet its primary endpoint of achieving a statistically significant reduction in combined Stage III and IV cancer diagnoses. While secondary findings offer more encouraging signals, particularly in detecting aggressive cancers, they warrant careful interpretation. RGA unpacks what these results mean for insurers today and what to watch as the landscape continues to evolve.
Key findings:
- The recent results from the NHS-Galleri trial do not invalidate insurer specific use cases, but they underscore the importance of continued care in how these tests are positioned and offered.
- Underwriters and claims professionals should continue to rely on diagnostic follow up and final histology, not multi-cancer early detection (MCED) test results in isolation.
- Insurers should remain alert to the anti-selective options MCED tests may present.
- MCED tests are genetic by mechanism but function purely as a screening tool; regulatory interpretation and developments need to be monitored.
For insurers, multi-cancer early detection (MCED) tests remain relevant, but their role is clear: they should be treated strictly as screening tools, with underwriting and claims decisions continuing to rely on diagnostic confirmation.
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