In Europe, over 20 million people are estimated to have had a diagnosis of cancer, and the number of cancer survivors is further increasing. To address needs of cancer survivors, several European countries have established a cancer survivors’ Right to be Forgotten (RTBF), i.e. the right for cancer survivors to withhold, under certain conditions, a previous cancer diagnosis to an insurer when applying for an insurance policy (e.g. for life insurance as mortgage protection). Furthermore, a European framework is under development. The different jurisdictions, the complexity of RTBF frameworks as well as lack of uniformity pose significant challenges for European L&H insurers. Aspects important are the details and implications of national and European legislations as well as existing industry codes and the differential impact of the various RTBF parameters.

The web session aims to be of interest for all persons dealing directly or indirectly with L&H insurance and having an interest in regulatory developments and their implications. As deep actuarial knowledge is not required, participation can be beneficial for all who want to learn more about the developments and impact of the Right to be Forgotten (RTBF).

Technical Requirements
Please check with your IT department if your firewall and computer settings support web session participation (the programme Zoom will be used for this online training). Please also make sure to join the web session with a stable internet connection.

This web session aims to give an overview and a deeper understanding of the cancer survivors' Right to be Forgotten (RTBF) and its current development inside and outside Europe. We will discuss the different parameters of RTBF, such as product scope, disease scope, minimum remission period (timeline) and others. We will also provide solutions how to estimate the actuarial impact depending on these RTBF parameters. Finally, its purpose is to help understanding and navigating the most recent developments and implications of RTBF for L&H insurance.

The language of the web session will be English.

Sandra Portmann, Swiss Re
Sandra Portmann is Head L&H Pricing for France, BeNeLux and Switzerland at Swiss Re. In her role, Sandra is responsible for the biometric assumptions for mortality, disability and other Life and Health risks. She has followed the implementation and developments of RTBF frameworks in various European countries and has been involved in assessing the actuarial impact.
Sandra is a qualified actuary and member of the Swiss Actuarial Association (SAA), she holds a Master's degree in mathematics from the Swiss Federal Institute of Technology (ETH Zurich) and has over 18 years of experience in L&H pricing.

Prof Dr Tobias Schiergens, Swiss Re
Tobias Schiergens is Medical Officer for the EMEA region (Europe, Middle East, Africa) and one of the cancer experts at Swiss Re. He has followed national and European RTBF processes closely and has attended the stakeholder roundtables on a European Code of Conduct on fair access of cancer survivors to financial services organised by the European Commission as medical expert. He is the German Bureau Member of ICLAM (The International Committee For Insurance Medicine).
Tobias is a full Professor at the University of Munich (LMU), Germany, and has served at that facility as head of the colorectal cancer centre. He has published more than 100 peer-reviewed scientific articles, reviews and books.