Tag Archives: purchase travel insurance

28/12/2024

Travel insurance market still not working for customers with medical conditions, Which? research finds

Travel Insurance0

Holidaymakers with pre-existing conditions continue to pay over the odds or face being priced out of traveling altogether, despite recent measures to address the problem, Which? research has found.

In our recent survey of 4,009 buyers of travel insurance, 61% said they had a pre-existing medical condition or a history of one. Over a third (36%) reported recent difficulties getting affordable cover because of their condition, with 7% of these people deciding to travel without insurance because premiums were prohibitively expensive.

Here we explain how your medical history can affect the premium you’re offered – and how to improve your chances of finding suitable cover at a decent price.

The cost of pre-existing conditions

In the past two years, the median amount paid for annual policies by customers with a pre-existing condition was £150 – 56% higher than those without (£96). Those who bought single-trip policies paid 88% more (£75 vs £40).

At an individual level, the differences can be much larger, depending on the nature of the medical condition as well as other factors such as age.

One customer in our survey, who had diabetes, told us they’d found they were paying roughly four times what they’d be

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09/12/2024

Travel Insurance: Flight canceled or delayed due to fog? 5 important points to keep in mind

Travel Insurance0

A total of 120 flights (domestic and international) were delayed on account of dense fog last Wednesday. Additionally, a total of 53 flights (including domestic & international) were canceled due to fog and other operational reasons.

The repercussions of the space of flight cancellations and delays have been quite unpredictable and unsavory in the past few days. One passenger happened to hit a pilot on board and a flight operator made the passengers on its Goa-Delhi flight sit on the tarmac of Mumbai airport.

If you are one of the affected passengers, remember that your travel insurance offers the coverage of extra costs incurred due to independent delays or cancellations.

For example, when a flight is cancelled, the ticket cost stands to get reimbursed by the insurer. Besides, if there is a prolonged delay, the insurance ideally covers the cost of accommodation if you have to stay overnight out of station.

“If a flight is canceled then travel insurance will pay for actual costs that you incurred for example cancellation charges on a room reservation or some non-refundable bookings. This is what will be paid even in the case of a delay, typically, over 12 hours,” says Kapil Mehta, Co-founder

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23/11/2024

Huge growth in employees benefiting from workplace health insurance

Travel Insurance0

A record 4.4 million people are now covered by health insurance through their employers and 1 million claims have been made over the past year, according to the latest data from the Association of British Insurers (ABI).*

The number of employees benefiting from health insurance has increased by 8%, from 4 million in 2021 to 4.4 million in 2022. Workplace policies also saw a 15% increase in claims, with 1 million made in 2022 compared to 873,000 in 2021.

Following a series of consultations on the role of occupational health, the Government has enhanced its focus on the need to support people to stay healthy and at work.** These record figures demonstrate that insurance needs to be a vital part of this conversation. The value it can add with speedier access to services and treatment, which often prevent health conditions from worsening, must not be overlooked. The access to virtual GPs, more flexible appointment times, and cover for operations can help people get back on their feet and back to their work, family lives and other commitments more quickly.

Our recent research also shows the value that health and protection insurance can have in the workplace. We found that nine

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