The study, from William Russell, analysed internal international health insurance claims data to discover the most expensive countries to get sick or injured without cover while travelling and which claim types are the most expensive.
|
Rank |
Country |
Total Claims |
Total Amount Claimed |
Average Claim Value |
|
1 |
Denmark |
3 |
€20,006 |
€6,668 |
|
2 |
Taiwan |
13 |
€45,885 |
€3,530 |
|
3 |
Qatar |
26 |
€68,616 |
€2,639 |
|
4 |
Lebanon |
32 |
€84,198 |
€2,631 |
|
5 |
Switzerland |
38 |
€82,661 |
€2,175 |
|
6 |
Malawi |
60 |
€111,817 |
€1,864 |
|
7 |
Spain |
65 |
€119,456 |
€1,838 |
|
8 |
Trinidad and Tobago |
14 |
€23,579 |
€1,684 |
|
9 |
Thailand |
525 |
€783,137 |
€1,491 |
|
10 |
Czechia |
3 |
€4,401 |
€1,467 |
|
Rank |
Claim Category |
Total Claims |
Total Amount Claimed |
Average Claim Value |
|
1 |
Medical evacuation |
7 |
€85,802 |
€12,258 |
|
2 |
Pregnancy complications and emergency procedures |
12 |
€125,069 |
€10,422 |
|
3 |
Treatment for cancer |
154 |
€1,185,127 |
€7,696 |
|
4 |
Cover for newborns |
1 |
€5,218 |
€5,218 |
|
5 |
Terminal illnesses and palliative care |
20 |
€91,352 |
€4,567 |
|
6 |
Home nursing costs |
12 |
€54,701 |
€4,558 |
|
7 |
Advanced diagnostic and genome tests |
244 |
€152,438 |
€4,388 |
|
8 |
Prosthetic implants & appliances |
9 |
€34,060 |
€3,785 |
|
9 |
Hospital accommodation and nursing |
744 |
€2,157,084 |
€2,899 |
|
10 |
Hospital treatment |
34 |
€56,862 |
€1,673 |
-
Hungary had the cheapest average claim value at just €26.39, followed by Antigua and Barbuda at €30.94.
-
The least expensive claim type was a trip to the dietician, costing just €5.46 on average, followed by ‘children’s routine check-ups and vaccinations’ with claims averaging €63.70.
-
Interestingly, the most common illness or injury claimed in France is ‘crushing injury of multiple sites of trunk’ with 40 claims of this type in 2021.
-
One of the highest average values for a claim was found to be for breast implant removal in Switzerland with an average cost of €24,413.
