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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.
Background:
The aim of this study was to explore variations in cost and choice of travel insurance in patients with cardiac disease.
Methods:
Clinical data from patients with myocardial infarction (MI, n = 20), Marfan syndrome (MFS, n = 10) and dilated cardiomyopathy (DCM, n = 10) were input to insurance websites for a proposed ten-day holiday and data for premium cost (£) and choice of quotes (n) collated for each condition. Age-matched healthy individuals were used as controls.
Results:
Median cost of insurance was significantly higher for MI (£233.07; interquartile range (IQR) = £222.95-£245.47 versus £24.29; IQR = £11.9-£34.09, p = < 0.001), MFS (£37.43; IQR = £23.61-58.83 versus £19.20; IQR = £9.09-£27.31, p = 0.0378)) and DCM (£166.87; IQR = £129.71-£198.62 versus £23.96; IQR = £11.99-£32.44, p = <0.001) compared to controls. Choice of quotes was also significantly reduced for MI (5; IQR = 5-14 versus 89; IQR = 26-110, p = <0.001) MFS (61; IQR = 26-83 versus 105; 26-105, p = <0.001) and DCM (19; IQR = 16-28 versus 89; IQR = 26-106, p = <0.001) compared to controls. Modifiable factors, such as time after cardiac event or awaiting further investigations, and clinical factors, such as persistent symptoms and disease severity, lead to a significant increase in cost.
Conclusion:
This study provides insight into the factors affecting cost and choice of travel insurance for patients with cardiac disease. The findings highlight ways in which healthcare professionals can support patients to obtain travel insurance.
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