A new study by expat insurance provider William Russell has analyzed international data on health insurance claims and found that the most expensive country to fall ill or injured without cover while traveling is Denmark.
Denmark has the highest average claim value of £5,569. Therefore, international health insurance is extremely important when visiting the country to protect one’s health and wallet. Other countries, including Taiwan, Qatar and Lebanon, were also considered among the most expensive to fall ill without coverage.
Interestingly, Spain came seventh on the list. Since the UK left the EU, Britons visiting Spain cannot simply go to hospital for medical treatment.
Before traveling to Spain or any EU country, UK tourists must apply for a GHIC (UK Global Health Insurance Card).
Holidaymakers are eligible for a GHIC card if they are legally resident in the UK and do not have medical cover provided by an EU country or Switzerland.
The government website explains: “The GHIC or EHIC authorizes you to declare any medical treatment that may become necessary during your trip. Any treatment provided is under the same conditions as Spanish nationals. If you do not have your EHIC with you or you’ If you’ve lost it, you can call the NHS Overseas Healthcare team on +44 191 218 1999 to get an interim replacement certificate.”
However, he cautions: “It’s important to get travel insurance that suits your needs. A GHIC or EHIC is not an alternative to travel insurance and you should have both before you travel. It does not cover all health-related costs, e.g., medical repatriation, ongoing medical treatment and non-emergency treatment. Find out more about what your travel insurance should cover.
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Medical evacuation is the most expensive health insurance claim, with the average claim standing at £10,237.
The other expensive categories are pregnancy complications and emergency procedures, which refers to any issues travelers have with pregnancy while traveling, including the need for an emergency caesarean section.
The 10 Most Expensive Types of Health Insurance Claims:
Pregnancy complications and emergency procedures
Blanket for newborns
Terminal illnesses and palliative care
Home care costs
Advanced diagnostics and genomic testing
Implants and prosthetic devices
Hospital accommodation and nursing care
William Russell’s team also shared their top tips for making sure “you’re fully covered when traveling overseas”.
They said: “If you are planning to travel abroad you should ensure that you are sufficiently insured. You may already have some form of travel insurance, but you should check what it covers and if this includes illness and disruption caused by COVID-19.
“If you travel without international health insurance, you could end up with a huge bill in the event of a medical emergency.”
“When you travel, make sure you have a copy of your insurance details with you and have your insurer’s contact details to hand. This will make your life easier in the unfortunate event that you need to make a claim,” they explained. .
Travel and insurance experts have also advised to consider the length of your stay abroad.
“This can affect the type of insurance you need. Different policies offer cover for varying lengths of time, so if you’re only going abroad for a short time, you won’t need cover. ‘a full year,’ they said.
Regarding pre-existing health conditions, they explained, “Also, consider your current health status and the lifestyle you intend to lead while abroad. These factors will help you decide the level of cover that’s right for you. For example, if you or your partner is pregnant or trying to have a baby, extra cover may be a good idea.”
“The most immediate benefit of being fully covered is that you can go on and enjoy life without worrying about what happens if something happens. ‘worry!’ they concluded.