What is a Pre-Existing Condition and How it Can Affect your Travel Medical Insurance?
August 30th, 2018 by VisitorHealth

What is a Pre-Existing Condition and How it Can Affect your Travel Medical Insurance?

What is a Pre-Existing Condition?

Health Insurance in the United States defines a pre-existing condition such as high blood pressure, diabetes, asthma, UTI, etc., as a medical condition that started before a person’s health benefits went into effect. Your visitor might look and feel healthy, but they might have an unknown condition.

If you have any of these conditions you should get a pre-existing plan:
• If you are 50 years old and above.
• If you take medication regularly.
• If you have diabetes, high blood pressure, or high cholesterol,
• If you had any kind of surgery prior to purchasing the insurance.
• If you have any condition that will require regular doctor’s visit.

Full Pre-Existing Coverage

Only our plans underwritten by CHUBB cover full pre-existing conditions for visitors travel insurance. With full pre-existing coverage, you can take your visitor for outpatient care & doctors visits. For example, if your visitor has a heart condition and experiences chest discomfort, you have the option to take them to a specialist. Emergency care, ambulance, medical evacuation & repatriation services are also included.  All other visitors insurance on the market only offers “acute onset” coverage of pre-existing conditions.

What is ‘acute onset’ definition?

When you compare the market visitors medical travel insurance, you will realize that most insurance companies don’t offer pre-existing coverage, but do offer acute onset coverage. There are a lot of exceptions that may apply when it comes to acute onset. For most insurance companies, insured must seek medical attention within 12 or 24 hour window after initial symptoms manifestation in order to be considered acute onset.

Is there is any best travel insurance plans with full Pre-Existing Coverage?

CHUBB Network plan and CHUBB Premier Plan both offer full pre-existing coverage. These visitors insurance plans consider pre-existing conditions the same as new problems and coverage is extended to inpatient, outpatient care, etc. Please go to this page to compare travel insurance and find good to go insurance for your visitors.

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