Blood pressure

Anyone trying to avoid the payment may face much higher fees

Millions of people face the prospect of having to pay an extra £1,000 if they want to take a holiday abroad in 2026.

One in five people on NHS waiting lists plan to holiday abroad without travel insurance, according to a recent survey, risking falling ill overseas and incurring hefty healthcare fees. There are currently more than 7.1million adults waiting for consultant-led treatment – and a further 1.7million waiting for a diagnosis – with many unable to take out insurance policies due to the high cost.

Of the 95% who are on, or have been on, a waiting list in the last three years and refuse to miss their holiday, 15% have paid up to £1,000 extra to ensure they’re protected. Many insurers keep their premiums low by not covering existing medical conditions, meaning patients on waiting lists with potentially serious conditions will need to take out specialist cover.

Those waiting for a condition to be diagnosed will find it particularly difficult to find appropriate travel insurance – and one in four plan to holiday without the correct cover. One in 20 currently waiting to be seen by the NHS have found accessing specialist travel insurance so difficult, or so expensive, they haven’t holidayed abroad because of it.

The poll of 2,034 adults commissioned by Wellsoon from Practice Plus Group found adults with hernias are the most likely to holiday without the correct cover, followed by those with cancer. The hardest conditions to find insurance for are heart or blood pressure issues followed by musculoskeletal issues including arthritis, hip or knee pain, back pain, neck or shoulder pain.

A spokesperson for Practice Plus Group said: “It’s a story we hear regularly from people who have a health issue they want to be addressed before they go on holiday, but they’re on a waiting list. They’re worried about going away when they’re in limbo, potentially needing to seek medical help a long way from home and not knowing how much it might cost.

In April 2021, the Financial Conduct Authority introduced new requirements to help consumers with more serious pre-existing medical conditions (PEMCs) better navigate the travel insurance market. Firms that sell travel insurance are required to signpost consumers to one of two directories of specialist firms that provide this type of insurance – one of which is the MoneyHelper directory, provided by the Money and Pensions Service.

A spokesperson from the Money and Pensions Service, which provides a directory of specialist firms that offer travel insurance for pre-existing conditions, said: “If you have a pre-existing health condition you must disclose this to your insurer. Otherwise, when you come to make a claim, it could be rejected.

“Depending on your circumstances, you may be asked to complete a medical exam. This will allow insurance providers to tailor your travel insurance policy to cover your needs. Taking specialist medical travel insurance will give you peace of mind that your medical condition is covered in the event of a claim.

“Our MoneyHelper service provides contact details of companies which specialise in this.”

BBC Morning Live’s legal expert, Gary Rycroft said he thought he was suffering from asthma

A BBC star has explained how he was horrified to be ‘hours’ from a potentially lethal heart attack after undergoing a surgical procedure. BBC Morning Live’s legal expert, Gary Rycroft, told hosts Rick Edwards and Helen Skelton that he had been suffering from a few chest pains, but put it down to just getting older.

He decided to do the Couch to 5k challenge – and said he had never felt better in many ways. He said: “I think it’s typical of dare I say men of my age, where we ignore things. We think we’re getting old. I didn’t wear glasses till I was 50. My hearing really is not as good as it used to be.

“So when I started to get chest pains walking my dog, I live on top of a hill, so I’m up and down the hill two or three times a day walking to work, walking my dog, and I’d say every fortnight or so I’d get a chest pain and it would it would pass really quickly. So I didn’t really think anything of it. I put it to the back of my mind as people tend to do.”

Mr Rycroft said whatever people do they should get any symptoms checked out. He only got it checked out because he was doing the Couch to 5k and thought he’d like to hear from a doctor.

He said: “I actually did feel a lot better and I lost quite a bit of weight. So, I was feeling really good, but I’d started this diagnostic journey with my GP. So, I’d had an ECG. They checked out the electrics of the heart. That was fine. And then in January, I went to have a cardiac CT scan, which is kind of an X-ray of the heart to check out the structure and check out the plumbing.

“And when I got the result of that a couple of weeks later, it was really quite bad news which floored me, which was actually the main artery to your heart is pretty much blocked. And of course, you start googling and it was called the left anterior descending artery. Not very helpfully on the internet, it’s often referred to as the widow maker. So, suddenly I was in quite a dark place to be honest, and it was quite stressful for my partner Jenny and the kids.”

It was when he had the straightforward operation to put in a stent that the full extent became clear. Gary said: “The next thing to do is called an invasive angiogram, where they put a little tube up your wrist, and they fit what’s called a stent.

READ MORE: BBC doctor delivers verdict on antihistamines causing weight gainREAD MORE: BBC doctor issues ‘little-known’ warning to anyone taking common hay fever tablet

“So, I had that procedure. It was all done in about 40 minutes. It was pretty remarkable. And you know, thank goodness for medical science. When I came round from that, the cardiologist was kind of, you know, you’re a very lucky person, because you were probably hours or days from having a massive potentially fatal heart attack. So, that was that was quite a lot to take in.“

Doctor Xand van Tulleken said: “If you’ve had this procedure I mean they are safe. They are very common and Gary’s risk you know it is traumatic having these things. You get much closer to death than you would want to. But if you can manage your blood pressure, your cholesterol, quit smoking, manage your risk factors, your GP will help you with all of that afterwards, you you you know Gary’s life expectancy is pretty much the same as it was before the procedure, which is fantastic. That’s the reason to go and have it done.

Gary added: “This is a silent killer for people in their 50s and 60s and people will have lost people. And I wanted to talk about this because I wanted to say to people, don’t wait as long as I did. I had a very close shave. Don’t wait as long as I did. And if you’re living with someone who’s concerned, encourage them to have that conversation. If something’s not quite right, it’s well worth checking it out.”

Dr Xand van Tulleken told viewers ‘it can be like a heart attack for your legs’

A BBC doctor has given a worrying update for anyone who has woken up in the morning with a pain in the leg. Appearing on BBC Morning Live, Dr Xand van Tulleken told viewers they should ‘never’ just write symptoms off as what happens due to ageing.

Many people get aches and pains, but specific discomfort in the legs should be investigated, he said. Host Helen Skelton said: “We’re looking at protecting our health now, though. And if you started this morning with a pain in your leg, you’re not alone.

“It’s thought that one in five people over the age of 60 is living with a blood vessel disorder.“ Dr Xand said “It’s really important that no one should ever regard any symptoms they have as just part of getting older. If you have a symptom and you don’t know why you have it, you need to get an explanation.

“Whether it’s shortness of breath or pain in your legs. There are lots of different causes for pain in your legs, but this morning we’re talking about peripheral arterial disease, which is a sort of intimidating medical term, but really we mean just peripheral, meaning it’s at the outside of your body. It’s in your legs rather than being in your heart or your brain.”

Arterial disease might be the cause – and that’s a condition which can mean there are serious health issues at stake beyond just aching legs. Dr Xand said “Arterial disease is the same problems that gives us heart attacks and strokes. Your blood vessels narrow over time. They can calcify, they harden, they clog up with cholesterol, and you are left with a narrower space for blood to flow through and that means that you’re not getting a sufficient blood supply to your legs and that can give you leg pain.

READ MORE: BBC expert gives ‘rule’ on how long you can keep takeaway leftoversREAD MORE: BBC doctor shares easy ‘pinch’ test for arthritis symptoms

“And you can think of it a little bit like in the same way that some people get angina, they get heart pain when they exercise, when they move around. This is a bit like angina for your legs. And sometimes if those blood vessels completely clog off, it can be like a heart attack for your legs.”

The NHS says many people with PAD have no symptoms. However, some develop a painful ache in their legs when they walk, which usually disappears after a few minutes’ rest. The medical term for this is “intermittent claudication”.

The pain can affect 1 or both legs, range from mild to severe, and usually goes away after a few minutes when the person rests their legs.

Other symptoms of PAD can include:

• hair loss on your legs and feet
• numbness or weakness in the legs
• brittle, slow-growing toenails
• ulcers (open sores) on your feet and legs, which do not heal
• changing skin colour on your legs, such as turning paler than usual or blue – this may be harder to see on brown and black skin
• shiny skin
• in men, erectile dysfunction
• the muscles in your legs shrinking (wasting)

The NHS adds: “The symptoms of PAD often develop slowly, over time. If your symptoms develop quickly, or get suddenly worse, it could be a sign of a serious problem requiring immediate treatment.”

Dr Xand added: “The quality of the pain is quite specific. I mean, the way that people describe it and it typically wouldn’t be a pain that you’d get when you’re just sitting still, much like angina. It’s the pain that comes from not getting enough oxygen to your muscles. Those blood vessels aren’t working. And so, people tend to describe a kind of deep, heavy ache, like they’re just not, and you can almost feel that thing of just not getting enough.

“It’s a bit like if you’re lifting weights at the gym, if you go beyond your limits, you know, your muscles really start to hurt. It’s a similar thing. The pain is called claudication, but it’s that kind of pain. And typically, if you rest, it’ll go away again. So, that’s the that’s the kind of pain, but there are other changes that you can look for as well.”

He said people might see changes in their legs which could indicate the problem. Dr Xand said: “If you do look at your legs, you may see some changes if you don’t have a good enough blood supply. So, things like loss of hair on your legs would be an examples. The hair the hair can’t grow anymore because you’re not getting enough nutrients to your leg.

“Cold feet, the warm blood from the middle of your body is no longer reaching your feet. Ulcers or cuts are not healing because your immune system carried in your bloodstream is not reaching those and so you’re getting skin breakdown. You’re not getting antibodies and white blood cells and things like that. Changes in skin tone. So, your skin may look kind of mottled and gray as if it’s not getting enough blood. And then your toenails, you may think, I haven’t cut my toenails in a while. Well, are they just simply growing because they’re not getting the nutrients from the bloodstream that they need. So, those are things that might be a clue.”

Tackling the problem

A main cause is smoking, Dr Xand said, and also making sure people get cholesterol, blood pressure measured and check if you have diabetes. He said exercise is a good way of trying to improve the situation: “This may sound a bit a bit paradoxical, may sound like it’s hard to exercise, you’re getting pain when you exercise, but doing some exercise can stimulate the growth of new blood vessels. It can help those blood vessels open up.

“It will lower your cholesterol. It will lower your blood pressure. It will lower your stress. It will improve your blood sugar. You get so many wins from doing a bit of exercise.”

More information from the NHS here.