Terminal Illness Travel Insurance

If you or someone else has a terminal illness, you've probably found that it can be very difficult to get a travel insurance policy that will satisfy the requirement applies to the insured disease.

It can be frustrating, especially if the person has received a terminal forecast gladly travel, and they still have the option. Many people have friends or relatives abroad, who would like to see again and who would like to see them.

Many people feel that it is beneficial for someone with a terminal illness to get away from their usual surroundings, where you constantly remind your illness. Traveling and being in a completely different place, which allows many people to shift the focus (at least for the time) and their health / medical conditions and to the people or places you've visited.

So, hoping to plan a trip for someone with a terminal illness, and then discovers that it is difficult to get travel insurance can be incredibly frustrating. After all, few people would want to travel without insurance, especially when someone has a serious and life-threatening condition. Medical bills can easily mount a consultation, medication, treatment in hospital. Understandably, people want to have some kind of assurance that if the worst came to worst, the insurance company will be there to pick up the bill.

But that is a terminal illness defined? In our experience, there is no single, clear definition. Generally, they consider terminal prognosis if no further treatment available to cure or control their medical condition and that it would not be unexpected that the death within six months. Clearly, this definition can vary from one person to another, and we would recommend discussing the issue in detail the health professionals involved.

So why is it so difficult to get travel insurance for someone with a terminal illness?

Well, the insurers point of view, they value their travel insurance policy to the level of risk they are covering their claims experience.

If the amount of money in the "pot" of premiums collected is not sufficient to meet all the requirements, the insurer is unlikely to stop selling insurance, which is bad news for everyone.

more serious or complex medical condition a person has, the greater the likelihood that a claim that is to say that there will be high. Most insurers do not want to risk insurance someone with a terminal illness. There is always a risk that someone will have to go to the hospital, and the danger that it will be deemed too ill to travel back to Britain. This means that their hospital stay can be extended. Not only would their medical expenses must be met by insurers, as well as accommodation and additional travel expenses from the companion.

If a person is well enough to return to the UK, you may need to be accompanied by a qualified nurse or doctor at the scheduled airlines. Or it may be that the air ambulance is potrebno.Troškovi providing these services (particularly the latter) will be run at several thousand pounds.

insurer has a number of options:

Pick up all the premiums for everyone, so the amount of money in the "pot" is still big enough to meet the potentially very large trade with terminal illness; Keep the general level of premiums at a reasonably low level, but then charge a higher premium on a scale commensurate with the severity of medical condition (s) being insured, including offering cover to people with terminal illness; As the point above, but does not provide cover for terminal illness; mixture over the

insurers generally do not want to raise their premiums too much for anyone, because then they will become competitive and customers may feel they are being charged too much.

the reality is that most insurers do not simply want to offer insurance to people who have a terminal illness, because they believe it would be too risky.

However, it is possible to find a specialist insurer who will provide a quote for travel insurance that will cover the requirements for a terminally ill person's medical condition (s). Because of the risk involved in providing this type of insurance (as we have already discussed), you expect premiums to be much higher. It could take only a few major requirements for an insurance company to decide that the risk was too great and to stop quoting in these situations.

It is possible that even the experts by insurers, is one situation may be considered too high risk and cover that are not offered.

We hope this article has provided an explanation of how insurance companies come to their decisions about which situations can be covered and the issues involved.