Reading this with mixed emotions.  As someone from within the industry I have a good view on how premiums are calculated and what rating factors go into the typical pricing models.

In the case of travel insurance, the risk goes up if you have known conditions that may require medical care or repatriation (e.g. Epilepsy, Heart Conditions) etc.

In many of these cases, digital channels may be your foe, rather than your friend.  For the majority of people, it’s easy to compare broadly various policies with similar T&C's online quickly and conveniently.

However, as soon as you break away from the normal tolerances, then it’s often better to speak to a broker or specialist in the area with a better understanding of the specific risks and conditions.  The example cited below the headline highlights this exact point and the customer was able to source a more affordable policy.

So reading it with another lens, I fully empathise with those searching for appropriate cover, especially after what many have been through, but there usually are other options out there by speaking to these specialists.  Equally as with all other lines of business, pricing and rating factors can change regularly.

Finally, it may also be an opportunity for the industry to support customers better and in a different way.  There are some great examples already in the Life & Health Insurance market in South Africa for customers post diagnosis with HIV.  By no means am I making a comparison of the conditions, however highlighting that the best folks to make informed decisions about niche risks, are ultimately the insurance companies.

Digital and online may not always be the right answer, one size doesn't fit all.