July 21, 2024

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When Do You Need Pre-Existing Coverage On Your Travel Insurance?

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Your Travel Insurance

Pre-Existing Conditions: What Are They?

Simply put, it means that before the start of your trip or before the policy went into effect, your insurer would not cover any symptoms or conditions that were treated or diagnosed. Any medical conditions discovered 48 months or less ago will typically be regarded as pre-existing diseases. Different travel insurance online plans and their providers may or may not cover pre-existing conditions.

Is Notifying The Insurer Of PED Required?

Imagine your mother and father coming to the US to visit you from India. You were unaware that your father had recently stopped taking his medication for high cholesterol even though he was not at risk of a heart attack. He was found to have heart issues when on the trip, but your travel health insurance claim was turned down. Your insurance company will have taken a look at your history of illnesses and decided that the medical emergency was brought on by the heart symptoms (cholesterol) he had experienced before the trip.

Declaring your PED at this point becomes crucial. Find health insurance for travel abroad that covers pre-existing conditions, especially if you suffer from a chronic disease. However, due to the increased financial risk associated with pre-existing conditions, insurers are reluctant to provide coverage for them.

Does Travel Insurance Cover Pre-Existing Diseases?

Most travel insurance policies don’t cover pre-existing conditions or anything else that might make your trip more difficult. However, you can still purchase insurance to cover those conditions. Many travel insurance online options are available today that cover pre-existing conditions when travelling abroad. Claims are subject to terms and conditions set forth under the travel insurance policy.

However, to see if it qualifies as an add-on to your existing travel insurance policy, you must either inform the insurer or review the policy documents. Both domestic and international travel insurance policies are affected by this.

Suppose the insured person cancels the trip or seeks medical attention while travelling because of pre-existing medical conditions or complications. In that case, the travel insurance companies may not accept travel insurance claims. Only optional coverage or specific plans designed to cover these conditions offer pre-existing condition coverage under travel health insurance. You can handle all aspects of your travel insurance using a travel insurance app. Claims are subject to terms and conditions set forth under the travel insurance policy. *

How Can You Know If Your Travel Insurance Policy Needs PED Coverage?

Preserving good health is your responsibility if you want to live a content and stress-free life. For this, you must verify whether you had any medical examinations or changes made to your prescription before your trip.

You must first comprehend PED before buying travel insurance that covers pre-existing conditions. Pre-existing illnesses may include:

  • Any ailment for which you have received treatment or are presently receiving treatment.
  • Any illness you’re taking medication for.
  • Almost any medical condition you are already aware of.*

You must buy the pre-existing condition add-on to your Bajaj Allianz international travel insuranceif you are diagnosed with a condition that could be dangerous while you are travelling. It would help if you did this by locating a policy addressing your pre-existing condition. Make sure you do the process of the travel insurance app download before your departure. Claims are subject to terms and conditions set forth under the travel insurance policy.

Get insured anytime, anywhere! Check out Bajaj Allianz General Insurance website to learn more and download the app now.

*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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