The two health problems that your travel insurance premium can see increasing by more than 1,000 percent
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Holidaymakers could find their travel insurance premiums by more than 1,000 percent if they declare a certain two conditions, research by the consumer website that? reveals.
Telling an insurer about an existing health status is usually more than doubled with the price of an annual travel insurance, which increases the costs of £ 40 to £ 90, according to the comparison website Go.Compare.
But individuals with a bipolar and personality disorder can be forced to pay no less than £ 446 when declaring their conditions – an increase of 1,159 percent on their original quote.
Which one? Compared quotes before and after explaining already existing medical disorders for three real people.
The quotations were compared between 12 well -known insurance providers, of which there were seven standard insurers, while five companies specialized in coverage for already existing conditions.

The prices were compared for people with bipolar and personality disorder, epilepsy and diabetes – and the cheapest European annual policy was selected for all quotes.
The average premium increased from £ 58 to £ 426 for the traveler with bi-polar and personality disorder and an increase of 715 percent with the most expensive policy at £ 715 and the cheapest costs £ 184.
In the most extreme case, the costs rose from £ 38.48 to £ 484.52.
However, the premiums climbed on average only 23 percent when the holiday show declared their condition with epilepsy. Providers added an average of £ 10 to the costs, with premiums that increase from £ 67 to £ 77.
But it is worth shopping, because the cheapest quote was only £ 52, while the most expensive was more than double of £ 110.
The traveler with diabetes saw the smallest price increase, because quotes rose only 6 percent on average – from £ 129 to £ 136 – when they declared their condition.
The cheapest came to £ 76, while the most expensive £ 169 cost.
Insurance specialists at medical screening companies Protecif and Verisk said that the stability of a condition is often the key to insurers, including when it was diagnosed, continuous treatment and side effects.
Sam Richardson, Deputy editor of which one? Money, said: ‘Although it can be tempting to omit a condition to lower the price, it is never worth the risk. If you do not explain anything in advance in advance, your policy can be invalid.
“Although comparison sites are a great starting point, they will not always contain specialized providers – so it is essential to obtain these quotes separately before making a purchase.”
L.evans@dailymail.co.uk
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