Solving the travel insurance dilemma for people with pre-existing medical conditions

9 October 2019

Posted in Innovation

by Rebecca D'Cunha (see media contact)

  • AXA, the UK’s largest travel insurer, has today launched its ‘Travel Health Calculator’, developed by emergency medical assistance experts CEGA.
  • Users enter their conditions online to receive a real-time report on how these could affect their travel insurance.
  • Tips are then provided to travellers on where they can find appropriate travel insurers and brokers as well as how to check the right cover is in place.

AXA and CEGA, a Charles Taylor company, launch travel health tool to give consumers clearer choices about travel insurance.

In a move that empowers consumers with pre-existing medical conditions to find the right travel insurance at a suitable price, AXA, the UK’s largest travel insurer, has today launched its ‘Travel Health Calculator’, developed by emergency medical assistance experts CEGA, a Charles Taylor company.  

AXA’s Travel Health Calculator offers a quick online solution for travellers with pre-existing medical conditions. Users simply enter their conditions online and immediately receive a report which tells them how these could affect their travel insurance search. The information tool then provides them with a list of brokers and insurers who specialise in providing cover which may meet their medical needs, or directs them to price comparison sites if they have less complex medical needs.

The Travel Health Calculator uses CEGA’s specialist medical screening solution, Antidote, to determine the level of ‘risk’ specifically related to each user’s medical history. It provides medical ‘thresholds’ for over 3,000 conditions; from asthma and high blood pressure to diabetes and heart problems.

Importantly, the launch of the tool coincides with the Financial Conduct Authority’s current consultation on proposals designed to help consumers with pre-existing medical conditions have better access to travel insurance products. It also follows industry revelations1 that three fifths of consumers believe that the responsibility lies with insurers to make sure customers purchase the right level of cover.

Benefits offered by the tool extend beyond increasing consumer choice and reducing the risk of medical and other emergency costs abroad. They also include access to general guidelines about buying travel insurance; not least the importance of checking that a policy includes travel disruption cover and of updating ongoing cover in line with any health changes.

"As insurers, we want to help customers understand their cover options regardless of their previous or existing medical conditions. While in some scenarios certain channels such as specialist brokers or underwriters may be more appropriate than others, our aim is to empower travellers so they can find cover that is right for them. Many people see health as a barrier to finding insurance, but our new tool can help make things that much clearer.”

— Nel Mooy, Travel Director, AXA Insurance

“The Travel Health Calculator offers consumers with pre-existing medical conditions a unique solution to travel insurance uncertainty - and we’re thrilled that AXA are leading the way in its implementation. By providing simple and easy-to-access medical assessments, the Travel Health Calculator increases customer choice, It is testament to our constant commitment to provide innovative new ways to support insurers and their customers alike.”

— Angela Smith, Head of Propositions at CEGA, a Charles Taylor company

1Figures obtained from research commissioned by AXA of 2000 UK adults. The research was carried out by OnePoll in July 2019.