Vellore Jaishankar No Comments

Pre-Existing Condition Coverage

Pre-Existing condition or conditions is considered any injury, illness or medical condition or conditions which meets any of the following criteria: (1) condition or conditions that would require a person to seek medical advice, diagnosis, care and / or treatment prior to the Policy Effective Date, (2) manifestation of condition or conditions for which medical advice, diagnosis, care and / or treatment was recommended, received, and / or noticed prior to the Policy Effective Date.

As a health insurance industry standard, the pre-existing condition is determined based on the attending physician statement (from the same Doctor who treats the individual at the Hospital or Clinic or Emergeny Room), past and present Medical Records, patient Medical History, and the Nature of the treatment and condition.

Short-term visitor insurance plans typically exclude coverage for pre-existing conditions. Visitor medical insurance plans also do not cover physical checkup and preventive care. There are certain limitations and conditions in every visitors health insurance plan and understanding how they work can be a challenge many folks not familiar with insurance wording and terminology. The most common and important one to know is that the visitor health insurance plan will not cover any medical or health expense that is connected or related to a pre-existing medical condition you have conditions such as heart disease. In addition, there are several insurance providers that offer many plans, which may vary from the basic to the most advanced coverage. The premium rate of the travel medical insurance plan will also vary with accordance to your age, the amount and type of coverage you chose among other things.

There are few visitors health insurance plans that offer a limited benefit amount for pre-existing conditions and are available for certain age groups only, please read Pre-existing Condition Visitor Insurance for further details to find the visitors insurance best plan. Pre-Existing condition should not be confused with Visitors Insurance Plan Exclusions, which are certain medical conditions the most visitor medical insurance and travel heal insurance plans generally exclude from offering any coverage benefits all.

For more information, please read the Insurance Frequently Asked Questions.

Vellore Jaishankar No Comments

Pre-existing Condition Visitor Insurance

Pre-existing Condition Visitor Insurance provides USA visitors and foreign travelers with coverage for mostly acute onset of pre-existing conditions, which is is any medical condition the person might have been diagnosed with, or had any treatment for, or is taking any medication for prior to the start date of the insurance. Among the many plan offering, only some visitors medical insurance plans provide coverage for pre-existing conditions. Not all pre existing medical conditions such as heart attack, stroke, blood pressure, diabetes, stroke and emergency health coverage for sudden unexpected relapses of other illness and/or sickness are covered, please refer to the plan brochure for specific coverage.

Atlas America Insurance, Patriot America Plus, Patriot Platinum Insurance, and Safe Travels USA Comprehensive are some of the plans that cover only acute onset of certain pre-existing conditions up to a certain limits and restricted by age as listed in the plan brochure.

Pre-existing conditions are usually chronic health conditions that are under medical control, these plans don’t cover all pre-existing and are often medical conditions such as:

  • heart problems (including bypass surgery)
  • chronic obstructive pulmonary disease (COPD)
  • stroke
  • asthma
  • diabetes
  • certain allergies
  • certain skin conditions

The above conditions are only a general listing, always refer to the policy plan insurance brochure under plan exclusions for the exact terms of coverage. Common plan exclusions include:

  • mental illness
  • hemophilia
  • epilepsy
  • chronic infections
  • multiple sclerosis, etc.
  • a pregnancy prior to coverage
  • an injury which occurred prior to coverage

Visitor medical insurance generally does not cover treatment of a wide range of acute onset or relapse or recurrence of excluded medical conditions, including asthma, arthritis, reflux, breast cancer, COPD, blood pressure (hypertension), raised cholesterol, colitis, heart conditions, angina, diabetes, strokes, coeliac disease, osteoporosis, irritable bowel syndrome (IBS), and many more under the pre-existing visitor insurance category.

Many other conditions are included in the plan exclusions which can be reviewed in the plan brochure, that include haemophilia, hepatitis, bowel cancer, epilepsy, prostate cancer, multiple sclerosis (MS) , cystic fibrosis, leukaemia, Crohn’s disease, Parkinson’s disease, thyroid, diverticulitis, anaphylaxia, pancreatitis, hydrocephalus, etc. Please always refer to the plan brochure for exact details.