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Chartered Insurance Institute
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Access to insurance & long-term medical conditions

CII policy briefing

At least 15 million people in the UK are currently living with at least one long-term health condition, expected to rise to 18 million within ten years.

  • Cancer charities for example have reported that the level of demand for information and guidance about obtaining travel insurance particularly after a cancer diagnosis.
  • Commoditisation: has resulted in cheaper products suitable for the vast majority of the population; but often excludes those in the minority that sit outside of them
  • Consumer understanding/decision-making: people need to be educated to think health issues before they choose and pay for a holiday.
  • Signposting to specialist brokers: affordable insurance does exist for people in these conditions, but it has become difficult to find through the usual means.
  • Perceptions of what is “fair”: insurers attitudes towards certain risks can be counterintuitively disparate, and there needs to be more convergence.

 View the attached policy briefing »

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