Worldwide Health Insurance costs

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How much do you pay? For single or annual?

Just had a quote for nearly £2k for a family!

Not enough information here. How many people? Where are you going? Any health issues? Where have you looked so far?

I have it as part of my bank account, we pay £18 a month and get worldwide travel insurance, European breakdown cover and phone insurance. Also fee free foreign currency transactions. Nationwide flex plus.

Do you actually need "worldwide" ?
Coverage for some countries - notably USA - increases the cost substantially.

Literally just got my renewal quote last week - £59.32 for worldwide, single adult under 65. Plus I would have got whatever cashback TCB or Quidco was offering at the time.

I don't do skiiing or anything like that but it's an optional add-on.

Thank you.

It's worldwide excluding USA, there are 5 of us though.

I think it's because of medical histories - but we are all completely well!

Having been through all the questions I can only think that a lot of people would not get a pay out as they don't realise they wouldn't be covered. I had to discuss anything any of had seen a doctor for in the previous 2 years!

We have ours with our Nationwide account and they were brilliant when I had an accident last Summer in France.

DH is covered via his work and can use them privately as well, he had to increase the premium to due ongoing investigations and I nearly keeled over when he told me the premium increase, I was glad that we didn't have to pay it on the Nationwide one.

But - he has to have the US cover and that what it made it so expensive.

I agree that plenty of people forget to declare certain things. Even medication like HRT or weightloss drugs, they have to be declared.
When I had a fall relating in a bruised bone in my thumb the insurance requested an declaration for 5 years despite never having any issues with it afterwards.

I'm 62, my husband 67. He was diagnosed with coronary artery disease through a trial he went in for. Great it's been picked up early but he's really fit and no symptoms but to go to America the insurance would be £2k for the 2 of us on some policies. Though we did get one for £1500. I'm on hrt. Not been to GP in 4 years. He has no other problems.
SAGA wouldn't cover him for an annual policy, not tried for a single trip and they specialise in over 50s which I though strange given how many over 50s could have chd.

I do hope all people with bank account insurances have checked with them if they are covered. It's a nightmare. I'm thinking of using a broker for the best deal.

I was told by my insurance (Admiral) that I didn't need to declare HRT. Mine was £170 including the US. I don't have any medical conditions other than slightly raised cholesterol.

You need to use a specialist. Our annual family insurance for 3 is usually around the £300 mark due to pre-existing conditions, I've never used the bank account policies/Aviva/Saga etc as they come back with a silly quotes (i.e we don't want to cover you, go away).
Although expect to shop around each year. Even the specialists generally use 2 medical screening databases behind the scenes, I find i usually have to switch providers between ones that use the different screening databases as well as look at coverage.
I've used Staysure and Insurancewith in the past.