How Does Pre-Existing Coverage Work With Travel Insurance?

Planning an international vacation can be an exciting and rewarding experience. It is important, however, to give careful thought to the costs and risks associated with travelling to a foreign country. Pre-existing coverage on travel insurance policies can provide travellers with the assurance and protection they need, by covering the cost of unexpected medical treatments, losses due to trip cancellation, lost luggage, and more. In this article, we will explain the pre-existing coverage available on travel insurance policies in India. We also provide information on choosing the best policy for you and advice on how to make sure your insurance will provide the necessary coverage if you need it.

Are Pre-Existing Diseases Covered by Travel Insurance?

In most cases, when you buy travel insurance online, it does not cover pre-existing illnesses or any other situation that may cause problems during your trip. However, that doesn't mean you can't get an insurance policy that covers these conditions. Many travel insurance companies in India, now, offer plans to cover pre-existing diseases. * However, you should notify your insurance company in advance or check your policy to see if it can be added to your existing travel insurance. This applies to domestic and international travel insurance. * Travel insurance companies do not accept claims if the insured cancels his trip or seeks medical treatment due to an earlier illness or medical condition during the trip. Existing travel health insurance coverage is only offered under optional coverage or special plans created to cover these conditions. *

What is Pre-Existing Coverage?

Pre-existing coverage is a type of protection in which an insurance company covers the medical expenses that may have arisen before the date of purchase of the travel insurance policy. Pre-existing coverage is applicable for particular conditions, depending on the plan you select. Some insurance companies may choose to classify the existing conditions before the purchase of the policy as pre-existing and some may consider them as part of the overall coverage. * It is important to understand the specific terms of the international travel insurance policy and the various pre-existing conditions that may be excluded from the coverage. Additionally, some pre-existing conditions may be linked to age, income, and other factors. *

Benefits of Travel Insurance for Pre-existing Conditions

Travel insurance with pre-existing medical conditions offers several advantages. Firstly, it covers any medical emergencies related to your existing conditions, preventing financial strain. It also provides access to necessary medical treatments abroad, which might be expensive. This coverage can include hospital stays, medications, and even medical evacuations if required. Furthermore, it offers peace of mind, knowing that your health needs are addressed, allowing you to enjoy your trip without constant worry about potential medical issues.

What is Covered Under Pre-Existing Coverage?

Pre-existing coverage typically includes treatment for specific medical conditions that may have occurred before buying the policy. Depending on the policy, some other diseases may also be covered. It is important to go through the plan before making a final decision. Here is the list of a few pre-existing conditions covered under travel insurance:

1. Diabetes
2. Cardiac conditions
3. Hypertension
4. Cancer
5. Asthma
6. Other illnesses or injuries sustained prior to buying the travel insurance policy

In addition to covering pre-existing diseases, the flight insurance policy may also include certain additional benefits such as compensation for lost baggage and expenses related to trip cancellation. *

What Isn’t Covered By Pre-existing Condition Insurance?

While the best travel insurance for pre-existing conditions offers extensive coverage, it has limitations. Generally, it does not cover cosmetic treatments, non-emergency procedures, or treatments that could be postponed until after the trip. It also might not cover new medical conditions that arise during the trip if they are unrelated to pre-existing conditions. Additionally, some policies have exclusions for specific high-risk activities or destinations. It’s important to read the policy details thoroughly to understand what is and isn’t covered, ensuring you have realistic expectations about the insurance benefits.

Is Travelling without a PED Cover Worth It?

Travelling without travel insurance and pre-existing conditions can be risky and costly. Without this coverage, you are responsible for any medical expenses arising from your pre-existing conditions. This can include hospital bills, medication costs, and even medical evacuations, which can be exorbitant. Additionally, the lack of coverage might lead to inadequate treatment due to cost concerns. The financial burden and potential health risks make it unwise to travel without pre-existing medical travel insurance if you have pre-existing conditions. It’s a safety net that protects you against unexpected medical issues abroad.

Why Pre-existing Conditions Travel Insurance Matters?

Pre-existing conditions travel insurance is crucial as it addresses specific health needs that standard policies might exclude. It offers tailored coverage for conditions like diabetes, heart disease, and asthma, ensuring you receive necessary care without the financial burden. This type of insurance is particularly important for senior travellers or those with chronic illnesses. It provides a comprehensive safety net, covering treatments, medications, and emergencies related to existing health issues. This insurance means you can travel confidently, knowing that your health needs are covered.

How to Know if You Need PED Coverage on Your Travel Insurance Policy?

Determining if you need pre-existing travel insurance on your travel insurance policy involves assessing your health and travel plans. If you have a medical condition that requires regular treatment or medication, travel insurance with pre-existing medical conditions is essential. It protects against unforeseen medical expenses related to these conditions during your trip. Check your health history and consult with your doctor to understand the risks. Additionally, consider the healthcare infrastructure at your destination. If it is not robust, having pre-existing medical travel insurance becomes even more critical to ensure you receive adequate care if needed.

How to Claim Pre-Existing Coverage?

Here is what you should do to claim pre-existing coverage in travel insurance:

Understand Your Coverage 

Review your insurance policy or contact your insurance provider to understand what type of pre-existing condition coverage your policy provides.

Gather Documentation 

Collect any medical documentation that is relevant to your pre-existing condition, including any written statements from your doctor.

File the Claim 

Contact your international travel insurance provider to explain that you need to file a claim for benefits associated with a pre-existing condition. Supply the necessary documents to support your claim.

Wait for Response 

Wait for the insurance company to review the claim, assess the evidence, and decide upon the coverage.

Understand the Outcome 

Keep a record of the result of your claim so you understand what is covered and what you will be responsible for.

Follow Up 

If you don’t hear back from the insurance provider in a timely manner, or if you feel that your claim has been wrongfully denied, reach out to them with any updated information or further requests.

Conclusion

Pre-existing medical conditions can cause a great financial burden on your travels if not accounted for when you buy travel insurance online. It is very important that you understand the scope of pre-existing coverage provided by your insurance policy and take the necessary steps to cover these conditions while selecting an appropriate plan. By opting for pre-existing coverage, you can ensure that you are financially secure against all contingencies and risks that may occur in foreign lands. Pre-existing coverage on travel insurance for travel abroad is an essential factor to consider when you are travelling abroad. It can play a vital role in covering your medical expenses and other related costs, depending on the kind of plan you choose. We hope this article has covered everything you need to know about pre-existing coverage when looking for travel insurance plans in India.

FAQs

Does travel insurance cover trips already booked? 

Yes, travel insurance can cover trips that are already booked. However, purchasing the insurance well before the trip date is crucial to ensure coverage for any unforeseen events or cancellations.

What counts as a pre-existing medical condition? 

A pre-existing medical condition is any health issue that existed before the start of the insurance policy. This includes chronic illnesses, previous surgeries, and ongoing treatments or medications.

What happens if you don't disclose pre-existing conditions? 

Failing to disclose pre-existing conditions can result in denied claims. Insurance companies conduct thorough checks, and undisclosed conditions can lead to policy cancellations and financial losses.

What is the waiting period for pre-existing disease? 

The waiting period for pre-existing diseases varies by policy but typically ranges from a few months to a year. During this time, claims related to pre-existing conditions are not covered.

Can we hide pre-existing diseases in health insurance? 

Hiding a pre-existing disease in health insurance is not advisable. It can lead to denied claims, policy cancellations, and potential legal issues. Transparency with your insurer ensures proper coverage.

Is high blood pressure a pre-existing condition? 

Yes, it is. You must disclose it to your insurance provider to ensure appropriate coverage and avoid denied claims.   *Standard T&C Apply Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions. 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. Claims are subject to terms and conditions set forth under the travel insurance policy.