8/19/2019 Travel Claims Australia http://slidepdf.com/reader/full/travel-claims-australia 1/8 ORIGINAL ARTICLES Travel Insurance^lainis Made by Travelers from ustralia Pclcr.-\. Lco^i Backcjfound: Little is known about travel insurance claims made by travelers returning honi abroad. This study was designed to investigate travel insurance claims made by traveler s fro m Australia, particularl y exami ning demographi c tactors, type of travel insurance coverage, nature and duration of travel, when treatmem was sought during travel or when the problem arose, use of emergency assistance, nature of claim, and claim outcome, including cost. Methods: A random sample of approximately one iii five claims reported during the period 1996 to 1998 to a niajor Australian travel insurance company were examified. Results: A total of 855 dainis were examined, of which 42.6% (356/836) were made hy male travelers and 57.1% (477/836) were made by female travelers. The majority of claima nts were in the 55 years and over age grou ps (445/836, 53.2%). Medical and dental conditions accounted for 66.6% of claims (569/854), with the remainder associated with loss, theft, and damage (285/854, 33.4%). The most common medtcai condilions were respiratory (110/539, 20.4%), Ftiusculoskele- tal (90/539, 16.7%), gastrointestinal (75/539, 13.9%), ear, nose, and throat (67/539, 12.4%), anti dental condi tions (39/539, 7.2%.). Onlv one case of venous thrombosis was reported, secondary to a lower limb mfectiofi. Use of the travel insur- ance company's emergencv telephone service was reported in 17.1% of claims (146/853). Almost two thirds (559/853, 65.5%) of claims were fully accepted. Those who clai med medical treatment, assault, and theft were significantly more likely to have their claims accepted compared to those claiming dental conditions, cancellation, curtailment, loss and damage iy ^ 127.78, df = 40, p < .00001). The majority of medical and dental condilions did not require further medical investigations (427/569, 75.0%). The mean cost of claim refunds was Australian dollars (AUD)991.31 (standard deviation ISO] • AUD5400-76) for males and AUD508.90 (SD ' AUD1446.10) for females. Claims for assault, cancellation, and cur- tailment were significantly more expensive than other types of claims IKruskal-Wall is one way anaiysis of variance [ANOVA ; x' = 106.87, df -= 8, p < .00001). Claims for treatment of gastrointestinal, ceiebrovascular, cardiovascular, mus- culoskelttial conditions, and pyrexiasof unknown origin were significantly more expensive than other medical and denial claims (Kruskal Wallis one way ANOVA; y = 61.68, df -t 15. p< .00001). Conclusions: This explorative study highlights the importance of travelers taking out appropriate travel insurance. Claims for medical and dental conditions represent the majority of travel insurance claims made by Australian travelers return- ing from abroad, although travel insurance also covers against such contingencies as loss, theft, and cancellation. The most common medical conditions claimed were respiratory, musculoskeletal, and gastrointestinal disorders. Travelers should be advised to take out appropriate travel insurance before departure overseas and to take care with preexisting medical and dental conditions, whicti may not be able to be claimed against travel insurance. ( .onservaiu'eK. it is esiim.iteJ thai ber ween .Ml .-jul ol se\'ei"e in) ti "v is (IIOUL;1II to be i^reater lor people when -111"- ol tr.twieis become ill or uijnr ed whiKl ti.i\elinL;. tiMwI in-ab road. Hee.iuse ofilic eiists ofinedie.il .UK\ Jeii- Kel aii ve esnniJted ni on tb K nie idenee rares o\ winoiis i.il ire.innen; abro.id. vUnrh nia\ noi SH- eoveiwl h\ ' pri- healih prol>lenis h.iw been to mp dc d elsew lieiv. I he lisL wnc he.iltli lnsuiMiice ornati oi Ml iieall h ser\ K es troni lhe home (OunUA, .md lhe IIIL^II eosts assoi t.ited with .leniniedieal e^aeiiatioii. ali f.ixelers should be .uKased of Pefe, A Leg g. tMF PHM FAC rM -Associa te Professor, , i, ^. ,,^,^.,i ^^,, , oiu pivb eus.w. navel nistuMUee. l or tn- School of Put)lic Health and Tropical Medicine, James Cook , , , , . , , , ,, ,, - . _ •,, rx , .^ A ,• ^ ,., n.iteh. Aiistr.ili.i h.is neuoii.ited leuiirocal health (.are University. low nsvill e, QueRnsland, Australi a; Francva W. • • (.-if, P/70; Research Assistant. School of Public Health .iKr eements wub se^vr.il eou ni rt es. btn this . ^enciall v and Tropic;il Medicine, James Cook University, Townsville. covers oi iK ' ei ii er ^ene v med KM uv.ument m A hospu.il,'' Queensland. Australia. I i\i\'el ltisut.im e nori nali \ uiidei-\\ lales tr awl , ined- . . icaL .iiid dent.il expenses uu lined b\ tr.i\vler\ .ibroad .itikl The authors )iad no linancial or other conflicts of inter est to disclose. .ir iMii- es aero medi eal ex.i. u.iiioii ot ira\elei-s tiiuler eon • ditioti s speeitied hv th e tr.iwl inMu.iiue polu \ I r,i\'ei nepr^nl H:que^ts: Assocune Prafossor Peter A. Leggal. ,.,, ,|,,,,,i, i,^. .^Ivised lo re.ui their polteies , .n-e ully to School of Public Health and Tropical Medicine, James Cook i i i i i , i i i' i see \\ lial iseow rcd , Ihe le\el ol the eveesses, and to I'heek University, Townsville, Queensand. 4811 Australia. lor an\- exiausions. In jiartn nl.ii-. those trawlers whi i J Travel Med 2002; 9:59-65. h.iw known iireexiMinL eo iduioits. who .ire workui-
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