Pre-Existing Condition Coverage In Travel Insurance
Losses resulting from unforeseen medical emergencies, flight delays, and legal issues would be covered by your travel insurance policy. Will you, however, receive any advantages if you already have a health condition? To find out what is covered by travel insurance, continue reading.
Pre-existing conditions: what are they?
How do travel insurance providers define pre-existing medical conditions? Simply put, it means that before the start of your trip or before the policy went into effect, any symptoms or conditions that were treated or diagnosed would not be taken into account by your insurer when evaluating a claim.
Travel insurance with prior coverage
Any medical conditions that were discovered 48 months or less ago will typically be regarded as pre-existing diseases (PED). Many families make the error of assuming that nothing will go wrong during a brief visit. They also don’t think their health will get worse or have a problem again while travelling. Declaring your PED at this point becomes crucial. Due to the higher financial risk associated with pre-existing conditions, insurers are hesitant to cover them. They may charge a higher premium for travel health insurance.
Does travel insurance cover pre-existing diseases?
Most travel insurance policies don’t cover pre-existing conditions or anything else that might make your trip more difficult. This does not preclude you from purchasing insurance to cover those conditions, though. These days, there are numerous PED-coverage plans available in India from travel insurance providers.
However, to see if it qualifies as an add-on to your current travel insurance policy, you must either notify the insurer about it in advance or review the policy documents. Both domestic and international travel insurance policies are affected by this.
If the insured person cancels the trip or seeks medical attention while travelling because of any pre-existing medical conditions or complications, even the best travel insurance companies may not accept travel insurance claims. Only optional coverage or specific plans designed to cover these conditions offer pre-existing condition coverage under travel health insurance.
How can you tell if your travel insurance policy needs PED coverage?
Maintaining good health is your responsibility if you want to live a happy and stress-free life. For this, you must confirm whether you had any medical examinations or modifications made to your prescription before your trip. Pre-existing illnesses may include:
- Any ailment for which you have received treatment or are presently receiving treatment
- Any illness you’re taking medication for
- Almost any medical condition you are already aware of
You must purchase the pre-existing condition add-on to your travel insurance if you are diagnosed with a condition that could be dangerous while you are travelling. You must do this by locating a policy that addresses your specific pre-existing condition through a travel insurance app download.
If you have multiple PEDs, purchase a policy without any limitations or capping because many travel insurance policies prefer to limit their coverage to just one PED.
Is it worth it to travel without a ped cover?
A traveller’s wife was taken to the hospital after experiencing slight chest pains. When she received an invitation to a conference overseas, she was taking medication. But she knows what is covered by her travel insurance and what is not.
Before leaving for her international trip, she purchased a pre-existing condition coverage travel insurance policy. Unfortunately, she got sick there, but she was able to file a claim because her travel insurance provider was aware of her pre-existing medical condition.
If she had not purchased pre-existing coverage international travel insurance, her claim would have been rejected at the time of her emergency abroad. Therefore, it’s crucial to have adequate coverage while travelling, especially if you already have a pre-existing condition. And you can always check everything with a travel insurance app download.
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