Using complex mathematical algorithms, which are continually updated to reflect the latest medical trends and insurer claims data, the Healix Travel Black Box accurately assesses the increased risk a customer presents, allowing the calculation of any additional premium or increased excess required, according to each scheme’s underwriting criteria.

The beauty of the system is that risk calculations are made on the basis of the customer’s own answers to a carefully-worded, ‘live’ set of intuitive health questions relating to their personal medical history.  Medical multipliers also factor in any increased risk associated with the destination in relation to the declared medical conditions.

Insurers who may previously have had to rely on a blanket exclusion for pre-existing medical conditions now have a window on the risks presented and can price accordingly, or exclude from cover on a selective basis without having to refer to an underwriter. 

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Unique Expertise
Developed by a team of medical, insurance and IT experts with a unique insight into international medical assistance and travel insurance issues, Healix’s Travel Black Box provides proven results in accurately assessing the increased risk presented by individual travellers with pre-existing medical conditions.

For more information or to see a demo, contact  or call +44 (0)20 8481 7765 (UK) or +61 (0)7 3171 2940 (Australia).


Healix Risk Rating is a Verisk Analytics Business