Travel insurance

Travel insurance for people with medical problems

Which travel insurance is best for medical conditions?

The best travel insurance for pre-existing medical conditions

  • Saga – Annual Travel Insurance (Note: only available for Over 50s)
  • Staysure – Comprehensive.
  • M&S Bank – Annual Travel Insurance.
  • InsureandGo – Black.
  • All Clear – Gold.
  • Age Co – Annual Travel Insurance (formerly Age UK)
  • Covered2Go – Gold.

Does travel insurance cover existing medical conditions?

By adding cover for a pre-existing medical condition as part of your travel insurance policy, you will generally receive cover for expenses of overseas emergency medical and hospital services that may be a result of your pre-existing medical condition.

What counts as pre existing medical conditions?

A medical illness or injury that you have before you start a new health care plan may be considered a “pre-existing condition.” Conditions like diabetes, COPD, cancer, and sleep apnea, may be examples of pre-existing health conditions. They tend to be chronic or long-term.

What are classed as pre existing medical conditions for travel insurance?

A pre-existing medical condition is any condition for which you have received medical advice, treatment, or medication in the last five years. Because it is part of your medical history, you must declare it even if your condition is currently under control through medication, dormant, or treated.

What pre existing conditions are not covered?

Examples of pre-existing conditions include cancer, asthma, diabetes or even being pregnant. Under the Affordable Care Act (Obamacare), health insurance companies cannot refuse to cover you because of any pre-existing conditions nor can they charge you for more money for the coverage or subject you to a waiting period.

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Which insurance company covers pre existing diseases?

New India Assurance’s Senior Citizen Mediclaim Policy covers pre-existing diseases. However, the waiting period for pre-existing diseases under this plan is 18 months. Available for senior citizen aged between 60 years to 80 years, the policy features a sum insured range starting from Rs. 1 Lakh up to Rs.

How long does pre existing condition last?

Most insurers count any condition you have had symptoms or treatment for in the past five years as pre-existing, even if it was diagnosed more than five years ago. But some insurers include any conditions you have had treatment for during the past three years or seven years.

Is High Blood Pressure a pre existing medical condition for travel insurance?

High blood pressure is considered to be a ‘pre-existing medical condition’ by insurers. That means it’s an important fact that will directly affect the kind of policy you need, and the chances of you claiming are going to be higher.

Do I have to declare anxiety on travel insurance?

You must disclose your condition and depending on your answers the insurer will decide whether to cover and what premiums may apply. No general exclusions listed for mental illness. You must disclose your condition and depending on your answers the insurer will decide whether to cover and what premiums may apply.

Is depression a pre existing medical condition?

In health insurance terms, depression is a pre-existing condition if you have seen a provider for it or been diagnosed with it during a specified period of time before you sign up for a new health plan.

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Is autism a pre existing medical condition?

AYes, if you have been medically diagnosed with autism, it is classed as a pre-existing medical condition and must be declared when applying for travel insurance. … This will ensure that any emergency medical treatment you need to seek while you’re away relating to your autism will be covered.

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