This study investigated the impact of COVID-19 on the insurance industry by studying the case of Ghana from March to June 2020. With a parallel comparison to previous pandemics such as SARS-CoV, H1N1 and MERS, we developed outlines for simulating the impact of the pandemic on the insurance industry. The study used qualitative and quantitative interviews to estimate the impact of the pandemic. Presently, the trend is an economic recession with decreasing profits but increasing claims. Due to the cancellation of travels, events and other economic losses, the Ghanaian insurance industry witnessed a loss currently estimated at GH Ȼ112 million. Our comparison and forecast predicts a normalization of economic indicators from January 2021. In the meantime, while the pandemic persists, insurers should adapt to working from remote locations, train and equip staff to work under social distancing regulations, enhance cybersecurity protocols and simplify claims/premium processing using e-payment channels. It will require the collaboration of the Ghana Ministry of Health, Banking Sector, Police Department, Customs Excise and Preventive Service, other relevant Ministries and the international community to bring the pandemic to a stop.
Background Breast lumps or lumpiness are a prevalent issue among women seeking guidance, with 40–70% reporting lumps or lumpiness. Any woman, regardless of age, who discovers a breast lump by self-examination, screening, or medical intervention begins to worry about developing breast cancer. Late stage of reporting suspected lumps is on the rise and this was hitted by the pandemic. The study examined factors that are associated breast lump and the risk on women who ever had breast lump. Method An institutional-based cross-sectional study was conducted on women who visited the facility for breast screening or other medical consultation. Closed-ended questionnaire was used to solicit information from 301 women within a period of six weeks. Chi-square and binary logistic regression model was used to determine the association and the risk respectively. Results Breast lump was dominant in women between 41–50 years and in those who do not have family history of breast cancer. The findings reveal that educational level [χ2 = 11.170; p = 0.011] and the practice of breast self-examination [χ2 = 7.998; p = 0.005] were significantly associated with breast lump. Married women were 0.764 less likely to have breast lump than those who are singles. Women between 31–40 years were 2 times more likely [AOR = 2.061, CI = 0.876–4.846] and those between 41–50 years 1 time more likely [AOR = 1.131,CI = 0.451–2.837] to have breast lump than women between 18–30 years. Conclusion Breast lump is predominant in women between 31–50 years. Factors associated with a woman having breast lump are educational background and the practice of breast self-examination. Surgeon managing a breast lump in women over 30 years old are encouraged to be extremely suspicious and cautious in order to detect and treat malignant lumps early.
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