UVA rays can penetrate windows and clouds, meaning you're not necessarily protected against sun damage when indoors. Unsplash
UVA rays can penetrate windows and clouds, meaning you're not necessarily protected against sun damage when indoors. Unsplash
UVA rays can penetrate windows and clouds, meaning you're not necessarily protected against sun damage when indoors. Unsplash
UVA rays can penetrate windows and clouds, meaning you're not necessarily protected against sun damage when indoors. Unsplash

Yes, you do need to wear sunscreen indoors – here’s why


Emma Day
  • English
  • Arabic

It is, hopefully for most of us, a daily ritual.

Whether found in your moisturiser, foundation or a separate SPF, slapping on a healthy dollop of sun protection is a must when heading outdoors.

But it’s not only outside where your skin is at risk.

Contrary to popular belief, you’re still susceptible to the sun’s rays, even when indoors.

So, if you’ve been forgoing that necessary skincare step while staying home amid the ongoing pandemic, now’s the time to reintroduce it to your daily routine.

“Glass windows from our houses and cars can filter most of the UVB rays, which is the main ray responsible for the generation of skin cancer,” says Dr Rutsnei Schmitz, a specialist dermatologist at Dubai's Medcare Women and Children Hospital. “But windows will not protect you from other radiation such as UVA and visible light radiation.”

Both UVB and UVA, the two most common ultraviolet rays present in sunlight, can have negative effects on the skin.

UVB has a shorter wavelength, and is predominately responsible for causing sunburn. UVA, however, has a longer wavelength and is associated with causing skin ageing, though both can be responsible for causing more serious conditions.

“UVA rays can also play a role in the development of skin cancer, and lead to ageing of the skin, wrinkles and age spots,” explains Schmitz. “Visible light is related to pigmentation issues like melasma.”

Look for SPFs of at least 30, advises dermatologist Dr Rutsnei Schmitz
Look for SPFs of at least 30, advises dermatologist Dr Rutsnei Schmitz

UVA rays are actually far more prevalent, accounting for up to 95 per cent of the UV radiation that reaches the Earth, says the Skin Cancer Foundation.

“These rays maintain the same level of strength during daylight hours throughout the year,” the organisation states, unlike UVB, the intensity of which fluctuates throughout the day and seasons.

UVA also penetrates the skin more deeply than UVB – as well as penetrates through clouds – and is the type of ray used in typical suntan beds.

So it doesn’t matter whether you’re behind the supposed protection of your windowpane – you could still be prematurely ageing and damaging your skin by not taking proper precautions, inside or outside.

You do have to reapply as after three hours, even indoors, sweat washes off around 50 per cent of sunscreen

Both UVA and UVB rays negatively impact unprotected skin, meaning you need a broad-spectrum sun cream to combat the two.

(Yes, even though you’re probably only vulnerable to the former indoors, you might as well invest in a good-quality SPF that you can use any day.)

“You should look for a sunscreen that has at least an SPF30 (that indicates the protection level for UVB), and UVA+++,” advises Schmitz, which can be used both indoors and out.

Any parts of your skin exposed to sunlight, whether directly or through windows, should be protected. Skin covered by clothing does not need a pre-application of SPF, however.

And a once-a-day application doesn’t quite cut the mustard, even when inside your home.

“You do have to reapply as after three hours, even indoors, sweat washes off around 50 per cent of sunscreen in that time, even in cooled environments,” explains Schmitz.

Reapply sunscreen every three hours
Reapply sunscreen every three hours

When it comes to finding the right sunscreen, most bottles you’ll find on supermarket and pharmacy shelves fall into two categories: mineral and chemical. Both are effective, but mineral – which will contain either titanium dioxide, zinc oxide or both – will typically be a thicker cream that could leave a telltale white cast on the skin.

Chemical, meanwhile – made from a longer list of ray-deflecting ingredients, such as oxybenzone or avobenzone – is more common in water-resistant creams, but can occasionally irritate extra-sensitive skin.

“Mineral sunscreens are indicated for people with sensitive skin and for sport practice,” says Schmitz. “Their big disadvantage is that they are less cosmetically pleasing, as they are thicker and whiter. Chemical sunscreens offer effective protection, but can be formulated in light, non-sticky lotion. They are indicated for regular use.”

Some formulations also blend ingredients from both camps.

To check you are not allergic to any sunscreen, Schmitz recommends conducting a patch test before using formulas on sensitive areas.

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Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.

Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.

Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.

Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.

“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.

Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.

From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.

Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.

BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.

Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.

Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.

“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.

Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.

“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.

“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”

The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”