The right to travel insurance if you suffer from a pre-existing illness

Travel has become an integral part of our lives. Whether it’s a job, hobby, study, or any other goal, we definitely can’t avoid traveling. But what if you are a person with health and are worried that the trip may worsen it? Yes, many people in the modern world suffer from many syndromes or conditions that cause them difficulties, especially when they are outside their comfort zone. Moreover, these medical conditions now not only depend on age, they can affect anyone from any age group.

However, we all know that traveling with a pre-existing disease can become difficult and even take you to the hospital. In this case, travel insurance can play an important role if the company you choose offers health insurance, as well as other coverage. Read on to find out how your pre-existing health condition may affect your travel insurance.

Understanding pre-existing diseases
A pre-existing disease is a disease, injury, or illness that is already known to a person and may have taken regular medications because of this condition. If you have had surgery or are planning to have it, it will also fall into a pre-existing condition. Some common examples are diabetes, hypertension, cancer, asthma, heart disease, etc. As a rule, these diseases are considered long-term and chronic.

Today, most people have these problems, but only a few of them plan to mention it in their insurance companies. Here is an example that can explain this case in more detail:

Mr. Nitin Seth has planned a vacation in Europe with his wife and 10-year-old daughter Myra. Myra was diagnosed with asthma when she was only 6 years old, and since then she has to take strict medications. However, Mr. Seth was in a hurry when he bought a travel insurance plan for his family trip, and accidentally missed filling out Myra’s health information on the form.

Later, during their trip, Myra suffered a serious asthma attack and was hospitalized as the insurance company denied paying for their claims due to an uninformed condition. Despite the expensive insurance taken out especially for the holidays, Mr. Seth had to shake the bills out of his pocket.

The right to travel insurance if you suffer from a pre-existing illness
First, the insurance company will review your illness and accept it as a pre-existing condition if you are “stable”. A “stable” condition means that the state of health remains as it is and has not changed for some time, no new medications or treatments are being added, there is no pending treatment, no new diagnosis is being made, and the person is not waiting for a test report.

In addition to a stable condition, many travel health insurance providers include in their policies a refund period during which the company checks your medical record before authorizing a claim, during which your medical conditions should be stable.

To reduce the risk that your insurance claim will be rejected, you can get a waiver for pre-existing medical conditions, but you will need to be eligible for it. This waiver will protect your insurance company from looking at your medical records and will serve as protection.

In order to obtain a pre-existing exception, the policyholder must be eligible for the following criteria:

The insured person must be ready to travel, and his pre-existing health condition must be “stable”
The policyholder must take out travel insurance at an early stage, since this is a time-sensitive benefit, and provide the full cost of his trip, after which he will have the right to refuse.
The effect of a pre-existing disease on the premium
Pre-existing health insurance becomes necessary when you suffer from an unavoidable serious illness. Medical insurance for travel with a pre-existing medical supplement may cost an additional premium, depending on the insurance company. Some companies even require you to undergo a medical examination before buying. The general trend is that your age also affects your travel insurance premiums. An elderly person may be charged an additional surcharge, and if a pre-existing exemption is included, your cost may exceed the normal one. However, some companies offer a pre-existing medical waiver at no additional cost.

In conclusion
Travel health insurance that covers your pre-existing condition may be worth it if you encounter a serious health problem during your trip. It depends on your insurance company whether it includes this additional feature in its basic plan or provides a separate waiver. To take full advantage of your travel health insurance, be sure to do a good research and find a plan that can fully meet your needs.

Be sure to check out the police documents and familiarize yourself with how the plan works. Any unclear offer can cause severe heartburn when filing a lawsuit.

Disclaimer: The above information is provided for reference only. For more information, please read the wording of the policy and the prospectus before closing sales.

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