Squamous Cell Cancer

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Squamous Cell Cancer

Cancer is an unexpected disease affecting the sufferer and their loved ones emotionally and physically. Unfortunately, cancer incidences are increasing at an alarming pace in India. It can affect anyone, irrespective of family health history or way of living. Cancer was formerly regarded as a disease of old age, but it is now a worry for adults and children. Cancer insurance has become required since the number of cancer cases has increased, and the expense of cancer treatment has skyrocketed.

One kind of cancer that is said to be rapidly spreading in India is Squamous Cell Cancer. SCC, or squamous cell carcinoma, is the second-most frequent skin cancer, accounting for 20% of all cases. Squamous cell carcinoma commonly arises on the sun-exposed skin of elderly and middle-aged people. Though this form of skin cancer is seldom fatal, sometimes it can be aggressive. If left untreated, it can become big and spread to other regions of the body, causing major consequences.

Unfortunately, if an individual is diagnosed with squamous cell skin cancer, they may wind up spending all of their life savings owing to the exorbitant treatment costs. Because of the escalating medical costs and the treatment's criticality, it's vital to always be financially prepared to complete your treatment on time. This is when the protection of a health insurance policy with cancer coverage might come in handy.

Critical illness insurance coverage can help you get the finest treatment possible without worrying about the costs. The financial protection provided by this type of coverage allows you to relax, knowing that your funds will not be depleted in your hour of need.

Tata AIG offers a variety of health insurance plans at affordable rates that can protect you against various unexpected ailments. We provide cancer coverage as an add-on to your comprehensive health insurance policy as well as part of benefit-based payout in critical illness insurance. To learn more about our range of health plans, you can reach out to us at any time of the day. We'll be happy to assist you!

Now let's learn more about squamous cell carcinoma in detail and depth. Continue reading to learn more.

Squamous Cell Carcinoma: What Exactly Is It?

After basal cell cancer, SCC or squamous cell cancer/CSCC or cutaneous squamous cell cancer is the second-most frequent kind of skin cancer. It begins in squamous cells in the epidermis, the outer layer of the skin.

Squamous cell carcinomas often occur on parts of an individual's skin that receive the greatest amount of sun exposure, such as their legs, arms, and head. Cancer may also develop in parts of an individual's body with mucous membranes, which are the inside linings of their body cavities and organs, such as their anus, lungs, and mouth.

Squamous Cell Carcinoma: Who Does It Affect?

Anyone can be affected by squamous cell carcinoma. You are especially vulnerable if you:

  • are having a pale complexion, green or blue eyes, and red or blonde hair.

  • had chemical exposure (arsenic, cigarettes).

  • are at least 65 years old.

  • have sun damage to your skin or long-term sun exposure at a young age.

  • have a compromised immune system or have had an organ transplant.

Male at birth (AMAB) people are nearly twice as likely to acquire squamous cell cancer. SCCs are most common in adults over the age of 50. However, the prevalence is increasing in individuals younger than 50.

Squamous Cell Carcinoma: What Causes It?

Squamous cell cancer is caused by a p53 gene mutation. The most prevalent cause of p53 gene mutation is ultraviolet (UV) exposure from the sun or indoor tanning beds.

The p53 gene instructs your cells to divide and reproduce in order to replace cells that have reached the end of their lifetime. Your p53 gene is a tumour suppressor, which regulates how much and how frequently your cells divide. Tumours, which can be malignant, form when there are too many cells.

A p53 gene mutation implies that your cells lack the instructions they require to function properly. As a result, your squamous cells divide and reproduce excessively often, resulting in the formation of tumours (lumps, bumps, or lesions) in and on your body.

Squamous Cell Carcinoma: Types

There are several forms of squamous cell skin carcinoma. Medical experts distinguished these categories based on the distinct properties of malignant cells. A pathologist must analyze a tissue sample under a microscope to determine the type of cancer a patient has. The most common forms of this cancer are given below:

  • Intraepidermal Squamous Cell Carcinoma: It's a basic kind of keratinocyte cancer that begins with squamous cells.

  • Pseudo/Adenoid Glandular Squamous Cell Carcinoma: It’s the most frequent kind of skin cancer. The sun-exposed skin of the neck and head region is particularly vulnerable. However, there have been reports of instances in the nasopharynx and oral cavity.

  • Large-Cell Non-Keratinising Squamous Cell Carcinoma: This malignancy is commonly seen in the base of the tongue and the tonsils. Cancer cells are not converted to keratinous tissue or keratin.

  • Large Cell Keratinising Squamous Cell Carcinoma: This form of malignancy is distinguished by nests and sheets of cells with cytoplasm, huge pleomorphic nuclei, as well as inconspicuous nucleoli.

  • Lymphoepithelial Carcinoma: It is a form of tumour that develops in the nasopharynx. This form of malignancy has also been documented in non-nasopharyngeal locations.

  • Papillary Squamous Cell Carcinoma: It is a rare kind of skin cancer that mostly affects the upper aerodigestive tract. It is more common in elderly men and is usually seen near the oropharynx, larynx, and sinonasal tract.

  • Papillary Thyroid Carcinoma: This form of cancer is distinguished by a butterfly-shaped gland at the neck’s base and is caused by a mix of hereditary and environmental causes.

  • Invasive Squamous Cell Carcinoma: Well, invasive squamous cell carcinoma may spread to other regions of the human body by developing deeper than its original location, penetrating new skin layers, and potentially progressing to other regions of the body. SCC is deemed to be invasive if it spreads beyond its original site.

  • Spindle Cell Squamous Cell Carcinoma: It's a biphasic tumour with spindle cell mesenchymal and squamous cell epithelial components.

  • Verrucous Squamous Cell Carcinoma: It is a rare variety that is more likely to damage the skin, oesophagus, oral cavity, larynx, and genitals. This malignancy is particularly dangerous in the head and neck areas.

Squamous Cell Carcinoma: Signs and Symptoms

You're probably wondering about the squamous cell carcinoma symptoms now that you've learned about the many types of it. While it is most noticeable on sub-exposed skin, it may also be observed in other places of the human body. The symptoms of this malignancy are discussed below:

  • A red, firm nodule

  • Ulcer or a fresh sore on an old sore

  • Reddish and scaly patch of skin

  • A dome-shaped or horn-shaped growth

  • A wart-like growth

  • A scaly and rough patch on lips emerging from an open sore

Squamous Cell Carcinoma: Causes

To know what causes squamous cell skin cancer, you should realise that it all starts with mutations in the squamous cell DNA. These modifications cause aberrant cells to reproduce and grow out of control. While most cancer cases are caused by UV radiation from sunshine or indoor tanning beds, there may be additional causes.

  • Previous case studies have shown that those who smoke are more likely to develop this illness. Notably, they are susceptible to developing this malignancy on their lips. Furthermore, it is a major risk factor for developing lung squamous cell carcinoma.

  • Individuals' genes and family medical history can potentially have a role in developing this form of cancer. For instance, a 2015 report found that those with a family history of squamous cell carcinoma are 4x more likely to get it than those without it.

  • If you've significant burn scars, ulcers, or sores on your skin, you are more likely to acquire this form of cancer than others.

  • If you get radiation therapy for another condition, your chances of getting this form of cancer rise. This cancer is more likely to occur in areas of your body that have been exposed to radiation.

  • Certain substances, like petroleum products, arsenic, coal tar, and paraffin, can be hazardous and induce this sort of cancer if exposed.

  • This procedure can be used to lower the activation or efficiency of the immune system. However, this mechanism can contribute to the development of squamous cell carcinoma. Organ transplant recipients, for example, are 65-250 times more likely than the general population to acquire this malignancy.

Squamous Cell Carcinoma: Stages

Now that you understand this illness's many forms and causes, you must understand the distinct phases of squamous cell carcinoma. The researchers classified these - Stages based on the tumour's size and metastasis to other organs.

  • Stage 0: Squamous cell cancer has not progressed beyond the epidermis.

  • Stage 1: Squamous cell carcinoma has gone further into the patient's skin but hasn't reached any healthy tissues or lymph nodes at this - Stage.

  • Stage 2: Cancer has migrated deep into an individual's skin and is causing one or more high-risk symptoms, but it hasn't spread to adjacent lymph nodes.

  • Stage 3: Apart from the skin, cancer has spread to lymph nodes but not to other organs.

  • Stage 4: Cancer has progressed to one or more distant organs, like the brain, lungs, liver, or other skin regions.

Squamous Cell Carcinoma: Treatment

The squamous cell carcinoma treatment differs from patient to patient based on overall health, age, severity and extent of cancer. However, if discovered early, the following therapeutic techniques are generally carried out in healthcare facilities:

  • Mohs Micrographic Surgery

  • Systemic Drugs

  • Electrosurgery

  • Cryosurgery

  • Excisional Surgery

  • Radiation Therapy

  • Photodynamic Surgery

Squamous Cell Carcinoma: Preventive Measures

Now that you know how to cure squamous cell skin cancer, you may ask if there are any methods to avoid it. According to medical researchers, individuals can avoid the majority of squamous cell carcinoma by taking the following precautions.

  • Avoid direct sunlight exposure and attempt to go out in the early morning or late evening when the sun's rays are not at their greatest.

  • Wear sunscreen with a minimum of SPF 30 every time you go outside to protect your skin from harmful UV radiation.

  • Wearing dark, closely woven clothes and sunglasses can help shield your skin and eyes from the sun's UV radiation.

  • To avoid this sort of cancer, stop using indoor tanning beds.

  • Check your skin problems on a regular basis and see a dermatologist if you notice even minor discomfort.

As can be seen, squamous cell carcinoma is a slow-growing yet fatal kind of skin cancer. As stated in this article, there are numerous forms of this cancer, and the symptoms and therapy may vary depending on the type. You may avoid this sort of cancer, though, by shielding your skin from the sun's UV radiation.

Why Purchase Health Insurance Policy with Squamous Cell Carcinoma Cover?

In India, approximately ten lakh individuals are diagnosed with cancer each year, with another 6 to 7 lakh dying from the disease. According to studies, India might have more than 17 lakh new cancer patients by the end of 2035, with 12 lakh fatalities every year. The worrying statistics and unusual health conditions are the primary reasons you should choose cancer insurance. Other important reasons to purchase health insurance with squamous cell cancer coverage include—

  • An increase in cancer cases: Well, Cancer is the greatest cause of mortality globally, emphasising the need for early identification, diagnosis, treatment, and care.

  • Exorbitant treatment costs: Cancer treatment cost in India goes in the lakhs and often beyond; hence you require enough coverage and security for a lifetime.

  • High-Risk of Ailments: Older adults are more exposed to cancer risk owing to age-related diseases and deficiencies, which must be addressed.

  • Financial Challenges: Cancer is a scary disease that forces individuals into financial and emotional anguish that may be prevented with a medical insurance policy.

  • Family History of Cancer: If you have a family history of chronic or severe illnesses, you should choose a plan covering many cancer types.

Benefits of Purchasing Health Insurance with Squamous Cell Carcinoma Coverage

Having a health insurance plan with cancer coverage comes with loads of benefits, like:

  • Protect Your Funds: Cancer treatment may be highly costly. Your funds may not be sufficient to pay all of your expenses. A health insurance plan with cancer coverage can assist you in covering the costs of the entire treatment. This type of financial security certainly provides peace of mind.

  • Cashless Hospitalisation: With squamous cell cancer coverage, you can receive cashless hospitalisation under your health insurance plan. This way, you can concentrate on obtaining the assistance and care you require without having to worry about your expenses.

  • Income Replacement: Well, benefit-based plans, like critical illness insurance, can provide income replacement if you cannot work while undergoing cancer treatment. The lump sum payment might assist you in paying your expenses and maintaining your house.

  • Tax Benefit: The health insurance premiums you pay are deductible as per Section 80D of the current tax legislation. These deductions are available for premiums paid for yourself, your parents, your spouse, and your dependent children.

Why Purchase Squamous Cell Cancer Cover from Tata AIG?

If you have not identified or obtained health insurance with cancer coverage, Tata AIG has ended your search. We are one of India's most recognisable names in the medical insurance market, having supplied our clients with unrivalled service for the past two decades.

With a large network of hospitals, renewal benefits, tax savings, and various other benefits, purchasing a Tata AIG medical insurance policy with cancer coverage will be one of the wisest decisions you make.

Here are some of the reasons why you should choose us as your medical insurance provider:

  • We are one of the most preferred options for many people in India, with a gigantic 7,000+ network hospitals cooperating with Tata AIG. We eliminate the need for individuals to be concerned about expenses by ensuring you receive the best care at a renowned Tata AIG network hospital.

  • In medical crises, Tata AIG, India's largest health insurance provider, respects customer values and assists them during hospitalisation or childcare.

  • Tata AIG attempts to give clients simple digital platforms and communication channels to use and reach out to. We strive to meet our clients at the appropriate time and place, with the finest care available, and in a way that provides value to them.

  • An expert unit of 650 in-house claim settlement specialists handles your insurance claim. This squad also hunts for those who employ shady tactics to earn from medical insurance. Tata AIG provides a simple claim and payment procedure, providing peace of mind.

  • Our in-house insurance claim settlement team has been instrumental in our extraordinary success rate in resolving insurance claims. We are glad to inform you that we successfully handled 94.21% of claims in the fiscal year 2020-2021.

  • When money is tight, people often take shortcuts in therapy or treatment. Furthermore, medical emergencies are unpredictable and might result in acute financial troubles. To pay for the therapy, you may have to use your funds or sell your favourite possessions. But that is no longer the case because Tata AIG's medical insurance policies provide stability by covering all medical expenditures and allowing you to access the best care available.

Things Included and Not Included in Tata AIG Health Insurance with Squamous Cell Cancer Cover

Check out the things included before purchasing Tata AIG health insurance with a squamous cell cancer cover plan:

  • Comprehensive protection at every stage of squamous cell carcinoma

  • In-patient hospitalisation

  • Pre- and post-hospitalisation expenses

  • Diagnosis and treatment

  • Daycare treatments

  • Ambulance expenses

  • Room rent and ICU charges

  • Second opinion costs

  • Cashless treatment

Check out the things that are not included before purchasing Tata AIG health insurance with a squamous cell cancer cover plan:

  • An existing disease that was not revealed while acquiring health insurance

  • Cosmetic procedures or operations

  • Treatment received outside of the country (that is, outside of India)

  • Suicidal attempt-related injuries

  • Injuries caused by drug and alcohol use

  • STDs, such as HIV/AIDS

How to Purchase Health Insurance Online with Squamous Cell Cancer Coverage via Tata AIG?

To obtain Tata AIG health insurance online with squamous cell cancer coverage, follow the steps outlined below:

  • Go to our website and choose who you want to get medical insurance for. You may simply obtain health insurance for every member of your family (spouse, parents, dependent children) as well as yourself.

  • Once you've decided who will be insured, click the "Get Plan" button.

  • Provide the relevant information, and Tata AIG will propose the finest and most suited policies for you.

  • All that remains is to select the sum covered. You may simply accomplish this by tapping the drop-down option. After that, you may see the premium rate.

  • You may also compare the insurance policies to see which one best meets your requirements.

  • Select the insurance plan you want to purchase and click the "Buy Now" button.

  • Our professionals will contact you for more assistance.

Documents Required to Claim Health Insurance for Squamous Cell Cancer

Tata AIG believes in keeping the insurance claim process no-fuss and straightforward. The following documentation must be submitted when filing a squamous cell cancer insurance claim:

  • Insurance claim application form
  • Hospital discharge summary, medical records, and case histories
  • A detailed and accurate diagnosis and treatment of squamous cell cancer
  • Any other documents requested by Tata AIG's in-house claim experts As soon as you send us the aforementioned papers, we will thoroughly evaluate them and investigate the matter within 15 days after your squamous cell cancer therapy or hospital discharge. If your squamous cell cancer health insurance claim is approved, you can expect to be reimbursed within 30 days after submitting the required documentation.

Things to Keep in Mind When Purchasing Health Insurance for Squamous Cell Cancer

Keep the following things in mind while purchasing health insurance with a cancer cover plan for the first time:**

  • Sum Insured: When purchasing health insurance with cancer coverage, you must carefully select the appropriate sum insured. Check the costs of hospital expenditures in your city to make an informed decision. If you choose an income benefit plan, calculate your monthly costs to get the exact number.

  • Network Hospitals: You can get cashless treatments if you go to a hospital that is part of the insurance provider’s network and is close to your home. It’ll make it easier for you to fully use your health insurance's benefits with a cancer cover plan.

  • Examine the Policy Coverage: Pick a policy that offers applicable perks and protection against every cancer-related expense. Cancer therapy can be covered by a policy irrespective of the stage or ailment.

  • Consider the Exclusions: Exclusions are a part of every medical insurance plan and relate to illnesses, surgical procedures, ailments, or medical expenditures that aren't covered by the insurance and cannot be claimed for. Examining the health insurance with cancer cover exclusions will assist you in avoiding delays and uncertainties, resulting in a seamless claims procedure.

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  • “I received excellent service from Tata AIG's family health insurance coverage. The customer service was outstanding and really helpful. When I contacted them to inquire about plans, the unit promptly responded. The unit deserves full credit for their consistent efforts in advising me in selecting the best medical insurance coverage.”

    ~ Srushti Datta

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  • “The services provided by Tata AIG were excellent. Purchasing health insurance using their website was a fantastic experience. The customer care personnel were quite helpful, walking me through the entire process. Their website was quite helpful. It simplified my understanding of the policy's terms and conditions. Outstanding work!”

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Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

Related Articles

What tests are carried out to diagnose squamous cell cancer?

What tests are carried out to diagnose squamous cell cancer?


Following your physical examination, your healthcare professional may recommend some tests to confirm a diagnosis, which might include:

  • Imaging tests (MRI or CT Scan)

  • Skin biopsy

What medicines are used in order to treat squamous cell carcinoma?


If an individual has invasive squamous cell carcinoma or if surgical removal of the cancer is not an option, the individual's healthcare professional may recommend medication to treat their condition. Medicines may include:

  • Topical creams containing 5-fluorouracil or imiquimod aid in treating SCC in the upper layer of an individual's skin (the epidermis).

  • Libtayo® (Cemiplimab-rwlc) is an immunotherapy used to treat advanced levels of squamous cell cancer.

  • Keytruda® (Pembrolizumab) is an immunotherapy used to treat SCC that cannot be treated surgically.

What are the side effects associated with the treatment of squamous cell cancer?


After an individual's healthcare professional eliminates cancer from their body, squamous cell cancer therapy's most typical side effect is aesthetic changes to their skin, such as scarring.

Individuals who use immunotherapy medications to treat their cancer must talk to their healthcare provider about the potential adverse effects.

What should I do if I have squamous cell cancer?


If diagnosed early, most instances of squamous cell cancer have a favourable prognosis and an outstanding survival rate. This is because early identification and treatment stop the tumour from spreading and causing damage to other regions of your body.

If your cancer is removed by your healthcare professional, it may recur in the future. Make sure to check in with your doctor to ensure you're cancer-free. Outside, you should also protect your skin from UV radiation.