Pensions

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.”

One airline is reducing its service that day by 60 per cent

UK holidaymakers are preparing for fresh travel disruption after the announcement of strike action. Media reports today confirm that Brussels Airlines is reducing its service by 60% on May 12. A spokesperson for the carrier confirmed the news on Tuesday.

Disruption that day is a possibility for Brits and others heading there, given that the airline flies regularly to and from London Heathrow, although details of flight cancellations have not yet been disclosed. It also has services to and from Manchester Airport and Edinburgh Airport.

The move follows Brussels Airport’s warning of expected disruption on that date due to nationwide industrial action. Numerous security workers and service providers will be downing tools.

Airlines have been requested to cap the number of departing passenger flights on the day in order to maintain safety and prevent excessive waiting times. The news site 7sur7 reports that the FGTB, CSC, and CGSLB unions are organising another major mobilisation in the streets of Brussels.

It marks the latest wave of strike action to hit the country. No passenger flights took off from Brussels Airport during the previous national demonstration, although commentators say disruptions are expected to be less severe on May 12, according to local media reports. “Just under half of the scheduled departures will be able to operate,” Zaventem Airport estimated.

In addition, strike action is also planned separately in the aviation sector. The Mirror reported on Tuesday that notice was lodged this week that could see strikes involving pilots.

The joint union front (CNE/ACV Puls, CSC Transcom, CGSLB/ACLVB, and Setca/BBTK) has filed a national strike notice for the entire Belgian aviation sector. Approximately 1.3 million Brits visit Belgium annually – suggesting hundreds if not thousands of UK travellers could be impacted on that single day alone. Brussels Airlines is cancelling roughly 60% of its flights that day, Le Soir reported.

Bosses say the long-haul network will bear the brunt, as these flights carry many connecting passengers. For shorter routes, the airline is giving priority to flights with the greatest number of direct passengers. “Further cancellations cannot be ruled out. Passengers whose flights are cancelled can either rebook or request a refund. We continue to monitor the situation closely; further cancellations cannot be ruled out,” says Brussels Airlines.

“Brussels Airlines is not involved in the labour dispute between the unions and the Belgian federal Government. Yet, the consequences always fall on our passengers, our colleagues, and our company. In the current geopolitical context (particularly with high fuel prices, editor’s note), such actions are irresponsible.”

“In collaboration with all relevant partners, Brussels Airport is working to ensure that as many flights as possible can depart that day,” the national airport said in a statement.

The airport, however, anticipates only minimal disruption to incoming flights. Passengers due to land at Brussels Airport that day are still urged to check the latest status of their flight directly with their airline.

The unions announced the fresh mass action at the start of the month. The demonstration forms part of a series of union actions they have been carrying out for over a year in opposition to the federal government’s reforms to policies including pensions.

The most recent national demonstration took place on 12 March. Between 80,000 people (according to the police) and more than 100,000 (according to the unions) took to the streets of Brussels. Not a single passenger flight departed from Zaventem Airport on that occasion.

Your rights as an airline passenger

According to the government’s gov.uk website, your airline, travel agent or tour operator is obliged to give you “clear and easy-to-understand information on the conditions of your travel at the point of booking.” Travellers are urged to check these carefully.

The website says: “Airlines and travel agents selling flight tickets must make clear the full price for all mandatory charges, such as taxes, at the time of booking. They should make clear any additional costs for optional extras. For example, for luggage allowance or seat selection.

“If you have booked a package that includes a flight (such as flight and accommodation or flight and car hire) you may also have both package and ATOL protection. Take your ATOL Certificate with you.”