Recent New Trends in Thyroid Cancer


New trends in thyroid cancer – a true incidence rise or over-diagnosis?

Thyroid cancer (TC) is the most prevalent endocrine cancer,
accounting for about 95% of all such malignancies. The
incidence of this cancer has increased dramatically in the
last three decades.


Traditionally, thyroid cancers are classified according to
their histological cell of origin (see box) as well as whether
they are well differentiated (papillary and follicular) or poorly
differentiated (medullary and anaplastic), with the latter
having a poorer prognosis.

Recent New Trends in Thyroid Cancer-1

Papillary carcinoma is the most common thyroid cancer (70–80%). It is also the most common type in women and lives under 45. Usually has an excellent prognosis and tends to be localised.
Follicular carcinoma causes about 10% of all thyroid cancers. Typical age of diagnosis is older than the papillary type, and again affects more female lives than male. Hürthle cell carcinoma is an aggressive subtype.
Medullary carcinoma represents about 3–10% of all thyroid cancers. Around 70% of cases occur in older lives (>50). In those younger, it is nearly always associated with a strong family history.
Anaplastic carcinoma is an extremely aggressive tumour that represents less than 5% of all thyroid cancers. It generally occurs in older individuals.
Primary lymphoma represents less than 5% of all thyroid malignancies, with Non-Hodgkin’s B cell tumours being the most common.
Causes/risks Exposure to ionising radiation is the most established direct cause of thyroid cancer, and it was the first solid tumour type noted in Japanese atomic bomb survivors; similar tumours have been seen in areas exposed to radioactive fallout from the test sites in the Pacific as well as in Ukraine in the aftermath of the Chernobyl disaster in 1986. The thyroid isparticularly sensitive to irradiation because it concentrates radioactive fallout iodine as it creates thyroid hormones1. Many tools used in medicine also require radiation exposure, notably x-rays and CT scans, and the risk of triggering cancers in later life is particularly problematic in children, with an estimated 1,000 future thyroid cancer cases attributed to undergoing such scans in the US in 2007, for example2. Consequently, in many health jurisdictions thyroid shielding is required when undergoing ‘routine’ but required radiological investigations. Diet may play a role in two ways: iodine deficiency, if prolonged, triggers a rise in thyroid-stimulating hormone (TSH), which in turn results in more thyroid follicular cell formation. In regions with extensive iodine deficiency, more follicular cell than papillary cell carcinomas are reported. TSH plays a critical role here, as demonstrated by improved survival and reduced recurrence of thyroid cancer in patients treated with TSH suppressors such as L-T4. Obesity and its associated issue of insulin derangement also seem to be distinct risk factors. One study found that 50% of papillary carcinoma patients had insulin resistance. Overall, it appears that for every 1kg/m2 in BMI the risk of thyroid cancer increases by 1% and the risk is particularly elevated for females3. One of the primary functions of the thyroid gland is to produce and regulate the secretions of hormones (thyroxine (T4) and triiodothyronine (T3) used to regulate our metabolism. Given the gender disparity, many researchers have speculated whether other hormones, notably oestrogen and progesterone, could play a part in carcinogenesis in the thyroid gland; recent studies have begun to suggest an imbalance between the two oestrogen receptor (ER) isoforms, α and β, that may indeed be responsible for triggering cellular abnormalities in the gland.


Genetic factors also increase the risk for developing thyroid tumours. About 6% of malignant papillary tumours are familial and up to 30% of medullary cancers have a hereditary component. Certain syndromes are associated with a higher likelihood of developing thyroid cancer. These include Gardner’s syndrome, Cowden’s disease, familial medullary cancer and multiple endocrine neoplasia (MEN) types 2a and 2b4.

Environmental factors

Other environmental factors, especially chemicals, could explain a rise in mutations – most notably nitrate contamination of drinking water and the use of pesticides such as polybrominated diphenyl ethers, exposure to which may either increase the cancer risk or induce thyroid cell proliferation5


Globally, TC is the 16th most common cancer diagnosed, with 298,000 cases diagnosed in 2012; female lives constitute 70–75% of the diagnoses 6 . Curiously, of all cancers that can occur in both sexes it is thyroid cancer (apart from breast cancer) that has the biggest gender disparity. That said however, the cancer presents at a later stage and has a worse prognosis in men.

Future projections

It is projected that by 2035 the diagnostic incidence rate in the UK will rise by 74% in males and 77% in females, the largest rate of increase across all cancers. However, it will remain a rare cancer in the UK (only 1–2% of all cancer diagnoses), with only around 6,800 people affected, up from 3,388 in 2014 7.This pattern of incidence rise is repeated across the world. In the United States the number of cases has tripled since the 1980s to over 57,000 8, in France rates have increased by 8–9% per year over the same period and in Japan rates have grown by 52% in men and 86% in women in the period since the mid-1970s 9. China has seen the most dramatic rises,where TC is now the second-most frequently diagnosed cancer in both sexes in ages 15–4410.


Over two-thirds of adults will be found to have nodules in their thyroid when undergoing an ultrasound scan (almost all of them are benign), an example of ‘look and you’ll find’ 11 .Therefore, it is perhaps unsurprising that when South Korea introduced a programme in 1999 under which patients could elect to purchase such a service incidence rates of thyroid cancer exploded, with the result that by 2011 the thyroid cancer diagnosis rate was 15 times the rate seen at the beginning of the programme. This prompted a pressure group within the Korean medical community (the “Physician Coalition for Prevention of Over-diagnosis of Thyroid Cancer”) to call for an immediate halt to the screening in 2014, a move which was followed by a decrease in diagnostic incidence of 40% in 3 months12 .This trend has also been observed globally, with an estimated 50–90% of thyroid cancer (particularly in women) being the result of over-diagnosis. This over-diagnosis has been particularly problematic in countries that rely on an ‘insured model’ of health care provision. Loehrer et al. reported a 26% rise in thyroidectomies to treat thyroid cancer in Massachusetts once the state insurance scheme there was expanded to cover treatment of the disease. In an effort to combat this, the US Preventive Services Task Force (USPSTF) issued a recommendation against screening for thyroid cancer (in particular the use of ultrasonography),stating in effect that the harm from treatments outweighs any long-term benefit. If the over-diagnosis hypothesis was the only cause of the incidence rise, we should see rates increasing solely in the lower and less aggressive types. Yet the incidence has
increased for all types by 3% annually in the last 30 years,with mortality increasing by 1.1% per year for all types and by 2.9% p.a. for advanced-stage papillary in the same period 13.

Recent New Trends in Thyroid Cancer-3

*Korean screening data derived from Hyeong Sik Ahn: Quarterly average number of patients who underwent surgery for thyroid cancer.


In the US, the 5-year survival rate for thyroid cancer overall is 98.1% and varies from 99.9% (68% of cases) for localised disease to 55.3% for distant disease (4% of cases) 14 . Papillary thyroid cancer, the most common subtype of well differentiated thyroid cancer, causes nearly 90% of cases, and has by far the best prognosis, with universal 5-year survival and 10-year survival rates of 92–95%15 . In 2007, Pelizzo et al. demonstrated that survival continues into the second decade and beyond16 . However, some histological forms, notably the anaplastic type, cause symptoms, and grow and spread very rapidly. The median survival is 5 months and less than 20% live longer than a year. The 5- year survival rate is around 10%17,18 .

Recent New Trends in Thyroid Cancer-4


This rise in incidence in the population is being reflected in claims in certain markets, particularly for products like critical illness. This is indeed the case in South Korea given the screening issue discussed above, and it is also evident in China. In China TC accounts for 30–42% of all cancer claims in some portfolios, overtaking breast cancer as the number 1 cause of cancer claims. There is evidence that this trend may also be emerging elsewhere for some CI claim portfolios; in the UK, for example, it is the sixth most common cause of female cancer claims – so at least our experience from the numbers of our branches in Shanghai and UK. It is perhaps unsurprising, then, that the Association of British Insurers is recommending in its 2018 CI minimum standards that stage 1 papillary tumours should be excluded from the cancer benefit.


Product developers, actuaries, underwriters and claims assessors should expect to see thyroid cancer cases with increasing frequency, particularly in markets where presymptomatic screening is prevalent. This rise is predominantly a result of over-diagnosis of indolent tumours, although emerging environmental issues may also be contributing to the incidence rise. While certain types of thyroid cancer can be life-limiting and aggressive, in many instances the disease has little impact on life expectancy and should not be considered a ‘critical illness’.


Paul Edwards
Manager, Medical Risk Research
Tel. + 44 20 3206-1736








BIBBINS-DOMINGO, K. et al. Screening for Thyroid Cancer: Updated Evidence Report and Systematic Review for the US Preventive Services Task Force JAMA May 9, 2017 Volume 317, Number 18 BROWN, T. et al Occupation cancer in Britain: Remaining cancer sites: brain, bone, soft tissue sarcoma and thyroid British Journal of Cancer, 2012, 107, S85-S91 BUTLER, C. ‘Thyroid Cancer: evidence-based review’ Internal Hannover Re UK Life Branch document, March 2014 CANCER RESEARCH UK,, Accessed May 2018. DAVIES, L. The USPSTF recommendation on Thyroid cancer, don’t check your neck; editorial JAMA Otolaryngology–Head & Neck Surgery August 2017, Vol 143, No 8 HYEONG SIK AHN & GILBERT WELCH, H., ‘South Korea’s Thyroid-Cancer “Epidemic” — Turning the Tide N Engl J Med 2015; 373:2389-2390 December 10, 2015 IGLESIAS, M.L. Radiation-induced thyroid cancer Arch Endocrinol Metab 2017 Mar-Apr; 61(2):180-187 LOEHRER AP Association of Insurance Expansion With Surgical Management of Thyroid Cancer JAMA Surg. 2017 Aug 1;152(8):734-740 O’NEILL, J.P. et al. Anaplastic thyroid cancer Oral Oncology, 2013, 49, 702-706 PELIZZO, M.R. et al. Natural History, diagnosis, treatment and outcome of medullary thyroid cancer, 37 years of experience on 157 patients EJSO, 2007, 33, 493-497 PELLEGRITI, G. et al. Worldwide increasing incidence of thyroid cancer; an update on epidemiology, Journal of Cancer Epidemiology, vol 2013,965212 SCHARPF. J. Achieving active surveillance for thyroid cancer – not a euphemism for watching a ticking time bomb JAMA Otolaryngology–Head & Neck Surgery, August 31 2017 SOSA, J. Striving for Clarity about the Best Approach to Thyroid Cancer Screening and Treatment: an Editorial JAMA Surgery August 2017 Volume 152, Number 8 STEELE CB, THOMAS CC, HENLEY SJ, et al. Vital Signs: Trends in Incidence of Cancers Associated with Overweight and Obesity — United States, 2005–2014. MMWR Morb Mortal Wkly Rep 2017; 66:1052–1058. DOI WANQING CHEN, et al. Cancer incidence and mortality in China, 2014 Chinese Journal of Cancer Research

1 See IGLESIAS, 2017
2 See PELLEGRITI, G. et al., vol 2013
3 See STEELE CB, et al., 2005–2014.
4 See BUTLER, C, 2014
5 See PELLEGRITI, G. et al., vol 2013
8 See SCHARPF. J., 2017
9 See PELLEGRITI, G. et al., vol. 2013
10 See WANQING CHEN, et al., 2014
11 See DAVIES, L., 2017
13 See SOSA, J., 2017
14 See BIBBINS-DOMINGO K. et al., 2017
15 See SOSA, J.,2017
16 See PELIZZO, M.R. et al., 2007
17 See BROWN, T, et al., 2012
18 See O’NEILL, J.P. et al., 2013