Medical expenses were the largest source of claims, accounting for 34% of all cases in 2024, up from 29% in 2023. In value terms, medical claims cost insurers £262 million, more than half the overall total. The average payout for medical treatment overseas was £1,528, though costs can escalate sharply in some cases. One insurer reported a single claim exceeding £1 million after a policyholder required emergency hospital care in the United States and repatriation to the UK.
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