Pre-Existing Conditions for Travel Insurance

Losses incurred due to unexpected medical problems, aircraft delays, or legal issues would all be covered by your travel insurance coverage. To what extent will you gain if you have a pre-existing health condition? Learn if your pre-existing conditions will be covered by basic travel insurance from India.

How do travel insurance providers identify existing medical conditions? It indicates that your insurer will not examine any claims stemming from symptoms or conditions that were treated or diagnosed before the start of your trip or before the policy took effect. In most circumstances, any health problem identified within the previous 48 months will be deemed a pre-existing condition. Consider this example:

Imagine your parents visiting you in the United States from India. Unbeknownst to you, your father was treated for cholesterol a few months ago, but he stopped taking his medication before the vacation because he was not at risk for a heart attack. He was diagnosed with heart difficulties on the trip, but the insurance company denied your travel claim. Your insurance reviewed your pre-existing medical issues and determined that the medical emergency caused the heart symptoms (cholesterol) he experienced before the travel.

Numerous families make this error and expect nothing will go wrong during a brief visit. They also do not anticipate their health issue worsening or recurring during the trip. Declaring your PED becomes vital at this point. Due to the elevated financial risk associated with pre-existing conditions, insurers need to be more generous in covering them. Does this imply that your insurance will not cover certain conditions? Due to your condition, would you need to abandon your plans or travel with the risk of being ill?

How to Determine whether PED Coverage is Required on Your Travel Insurance International Policy?

You are responsible for monitoring your health to live a satisfying and stress-free life. For this, you must confirm if you underwent any medical testing or modifications to your prescription before vacation. The following are examples of pre-existing medical conditions:

  • Any condition for which you have had therapy or are currently receiving treatment? Any condition for which you are taking medication
  • Any ailment of which you are already aware
  • If you find a condition that could pose a risk while travelling, you must get a pre-existing condition rider for your travel insurance from India.

It would help if you located insurance that covers your specific pre-existing condition.

Suppose you have more than one pre-existing condition. In that case, you should get a policy with no restrictions or coverage limits, as many travel insurance policies limit coverage to a single PED.

Is it Worthwhile to Travel Without a PED Cover?

After experiencing slight chest issues, the wife of a traveller was rushed to the hospital. She was on medication when she was invited to an international conference. Before travelling abroad, she purchased a pre-existing disease travel insurance coverage. Unfortunately, she became ill there, but she could file a claim because her travel insurance provider was aware of her pre-existing medical condition.

If she had not bought foreign travel insurance with a pre-existing condition coverage, her travel claim would have been denied during her emergency abroad if she had not purchased such coverage beforehand. So, it is crucial to travel with enough coverage, especially if you have a pre-existing disease.

Wrapping it Up

Please do not leave your underlying ailments to chance, as your insurer will not cover any damages resulting from a pre-existing condition. Your travel insurer will review your medical history for any previous or connected health concerns throughout the verification process.

If the online travel insurance provider determines that your pre-existing medical conditions are related to the filed claim, your claim will be denied.

‘Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.‘

By Rehan

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