Factors affecting cost and patient choice of travel insurance in cardiac disease: a web-based case-control study

Michael Bennett1, Shruti S Joshi2, Martin Denvir2

  • 120 Mansion GateChapel AllertonLeeds, LS7 4SX, UK

Insights

Travel insurance is significantly more expensive and offers fewer choices for individuals with cardiac conditions like myocardial infarction, Marfan syndrome, and dilated cardiomyopathy compared to healthy individuals.

Area of Science:

  • Cardiology
  • Health Economics
  • Insurance Studies

Background:

  • Patients with cardiac disease face challenges obtaining travel insurance.
  • Understanding cost and choice variations is crucial for patient well-being.

Purpose of the Study:

  • To investigate the differences in travel insurance costs and quote availability for patients with specific cardiac conditions.
  • To identify factors influencing these variations.

Main Methods:

  • Clinical data from patients with myocardial infarction (MI), Marfan syndrome (MFS), and dilated cardiomyopathy (DCM) were used.
  • Insurance quotes were obtained for a ten-day holiday and compared to age-matched healthy controls.

Main Results:

  • Insurance costs were significantly higher for MI, MFS, and DCM patients compared to controls.
  • The number of available insurance quotes was significantly lower for these cardiac patient groups.
  • Factors like time since event, pending investigations, symptoms, and disease severity increased costs.

Conclusions:

  • Cardiac disease substantially impacts travel insurance cost and availability.
  • Healthcare professionals can play a role in assisting patients with travel insurance acquisition.
Abstract

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