The Impact Of Pre-Existing Medical Conditions On Travel Insurance

Pre-Existing Medical Conditions and Travel Insurance - Go Insurance

Which medical conditions have an impact on travel insurance?

A travel insurance policy offers many advantages. These programmes typically include:

  • Medical costs resulting from accidents or unforeseen illnesses that were not anticipated.
  • Flight, hotel, and other intermediate stop reservations cancelled.
  • Harm to or loss of the luggage.
  • For some reason, you need money now.

Even if you purchase domestic travel insurance online, having a pre-existing medical condition may alter the range of benefits you are entitled to.

Which medical conditions have an impact on travel insurance?

Ailments, diseases, or health hazards that could soon result in medical emergencies are frequently considered to be pre-existing medical disorders. Pre-existing medical issues are typically characterised as the following:

  • Diseases that are fatal, such as cancer, HIV, AIDS, etc.
  • Recent surgery or organ transplant.
  • Medical conditions that might soon require hospitalisation or surgery.

The pre-existing medical issue may be of any type; you may be aware of it, not aware of it, have had treatment for it, or intend to have surgery or other treatment for it. Your medical travel insurance would make an effort to comprehend the possibility that such an emergency could worsen while you were travelling, boosting medical costs and causing pain for your family or group.

Should you inform your insurance company about a medical condition you have before?

Yes, you should tell your insurer if you have a pre-existing medical problem.

Here is a brief illustration to help you understand why this is essential:

Dolly just completed her first year of employment as a banker. She had collected enough money to fulfil a childhood dream of taking her parents to Paris. She purchased the tickets and family travel insurance. Sadly, her father had a stroke while they were travelling and had to be hospitalised. Even though he managed to recover, it increased the cost of the trip and caused the family stress. Dolly later submitted a claim, and she was astonished to learn that it had been denied. Later, she learned that her father had a small attack only a few months prior, which her parents had not previously disclosed to her.

These occurrences happen more frequently than you might think. Every applicant’s medical history will be thoroughly examined by your insurer, with a particular emphasis placed on the most recent two to three months of medical history. Now, Dolly was not to be held responsible for this situation. She and her family, however, ought to have been aware of the terms of the medical travel insurance policy. She could have made a better choice if she had known about the pre-existing medical condition:

  • Obtain an add-on or a rider to her travel insurance policy that protected her father.
  • Let her father heal properly for a few months. and take the trip later, once he is healthy and at no risk, with appropriate medical exams to support the claim.
  • She might have looked into more medical insurance options for people with certain problems. A simple method to prevent this is to compare plans for travel insurance coverage and health insurance policies before making a purchase, taking into account all essential inclusions.

Which travel insurance is best for medical conditions?

It may initially appear quite difficult to tell your domestic travel insurance in India about a pre-existing medical condition. Wouldn’t that result in the initial application being rejected outright? Insurance policies do not operate that way. Speak with one of the Bajaj Allianz advisers. You’ll discover:

  • Pre-existing medical condition add-ons are permitted under some medical travel insurance policies. *
  • Plans that are specifically created to meet the needs of the elderly comprise senior travel insurance. *
  • Alternative methods of reducing potential medical costs include using various domestic travel insurance policies or delaying the trip. *

* Standard T&C Apply

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.

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