Movember must consider the missing link in men’s health protection

Gulf Network

As men’s health takes centre stage this November, data reveals why financial preparedness must become part of the wellness conversation

Every year, Movember sparks conversations about prostate cancer, mental wellbeing, and preventive care. Yet one part of men’s health remains strikingly under-discussed, which is the financial impact of serious illness.

Financial advisors say Movember offers an important opportunity to extend the conversation on men’s health from prevention to protection.

“Medical insurance pays the hospital, critical-illness insurance pays the household,” says Prashant Sharma, CFA, Vice President – Life, The Continental Group. “It bridges the gap between getting better and getting back to work by covering mortgages, school fees, and everyday costs that don’t stop when income does.”

Awareness needs an anchor

This year’s Customer Claims Report 2025 by Zurich International Life Ltd. offers a sharp reminder of how often serious illnesses occur and how deeply they affect families. Based on three years of claims data across the UAE, Bahrain, and Qatar, the report found that 58 per cent of men’s living-benefit claims were for heart attacks or strokes, while 33 per cent were for cancer. Among death claims, one in every two men had succumbed to a heart attack or stroke, and one in four to cancer.

“Our report offers some important insights that hit home for men’s health,” says Shilpa Chitanand, Head of Sales and Distribution – Retail, Zurich International Life Ltd. “It has highlighted just how many have faced serious health challenges and needed financial support when it mattered most. The numbers emphasise the need for a robust financial safety net, reminding us just how important it is to look after our health and to ensure our loved ones are protected no matter what challenge life brings.”

What the costs look like

“The gap between awareness and action is where most people get caught,” says Sharma. “They know the risks - heart disease, cancer, stress - but delay taking the step that would protect them. And once a diagnosis happens, it’s too late to close that gap.”

The numbers support that logic. Over a 15-year period, the cost difference between a life-only policy and one that includes critical-illness protection is roughly AED 67,000. “That’s a fraction of what recovery, rehabilitation, and loss of income can add up to,” Sharma says.

“Strength” needs reframing

For men balancing careers, families, and obligations, the lesson is straightforward: treat financial protection as part of preventive care. Schedule the medical check-up, yes, but also review the policy, understand the exclusions, and make sure the safety net extends beyond the hospital room.

“Men have traditionally been taught to keep going, no matter what,” says Sharma. “But the strongest act you can take for your family is preparation. It’s ensuring that your responsibilities remain intact even if your health doesn’t.”