Introduction :
InfoDesk depth article discusses how to obtain travel insurance coverage for costs associated with pre-existing conditions.
What is a "pre-existing condition"?
A pre-existing condition is any known medical or health conditions that existed before applying for travel insurance.
When is the existing condition?
for travel insurance plans will cover pre-existing conditions if the requirements are met:
if the applicant's pre-existing conditions are considered "healthy" for the required amount of time before filing the coverage.
the applicant is eligible for coverage (each insurance company has its own kepatasan questionnaire to be submitted to multiple health-related questions, see below for link).
Note, if the definition of a medical condition "healthy" are not the same from insurance company to insurance company, as well as the required amount of time the conditions to be stabilized before being covered.
Feasibility Questions :
Most (but not all) eligibility questionnaire will exclude coverage for anyone who:
1. Has a terminal illness.
2. Traveling against the advice of doctors.
3. Having AIDS.
4. Having a metastatic cancer.
5. Have kidney disease.
Please use the following link to see if you qualify for our travel insurance provider cited:
1. Manulife Similarity Question
2. Allianz Similarity Question
3. RSA Similarity Question
4. GMS Similarity Question
Synopsis Period of Stability :
InfoDesk depth article discusses how to obtain travel insurance coverage for costs associated with pre-existing conditions.
What is a "pre-existing condition"?
A pre-existing condition is any known medical or health conditions that existed before applying for travel insurance.
When is the existing condition?
for travel insurance plans will cover pre-existing conditions if the requirements are met:
if the applicant's pre-existing conditions are considered "healthy" for the required amount of time before filing the coverage.
the applicant is eligible for coverage (each insurance company has its own kepatasan questionnaire to be submitted to multiple health-related questions, see below for link).
Note, if the definition of a medical condition "healthy" are not the same from insurance company to insurance company, as well as the required amount of time the conditions to be stabilized before being covered.
Feasibility Questions :
Most (but not all) eligibility questionnaire will exclude coverage for anyone who:
1. Has a terminal illness.
2. Traveling against the advice of doctors.
3. Having AIDS.
4. Having a metastatic cancer.
5. Have kidney disease.
Please use the following link to see if you qualify for our travel insurance provider cited:
1. Manulife Similarity Question
2. Allianz Similarity Question
3. RSA Similarity Question
4. GMS Similarity Question
Synopsis Period of Stability :
a period of stability is needed ranged from 3 months to 9 months before applying for coverage. In addition we can generally say that a medical condition may be considered "healthy" if the condition:
1. But require a change in treatment.
2. However, new treatments are needed.
3. Not indicate a change in scope or severity.
4. Have been treated in accordance with the doctor's instructions.
Here is an explanation of how quoted from online insurance carriers, we define the condition of "healthier". We do not list a period of stability for all our plans cites (note that we quote will display the corresponding period of stability for all travel plans cited).
Manulife Travel Insurance and Its rules exist in health :
Manulife stability period ranging from 3 months to 12 months, depending on the level of health of the insured.
"Stable medical condition" means that all of the following apply:
1. You've never had a new symptom (s); and
2. There symptom (s) have not become more frequent or severe; and
3. Your doctor has not found that your health condition has become worse than ever; and
4. There are no test results that show the likelihood of your health condition will become worse; and
5. You have not received, has been established, arrested or doctor recommends a new treatment, or a change in treatment; and
6. You have not received, predetermined or pre doctors suggest new treatment or change in treatment; and
You have not been hospitalized or referred to a specialist or special clinic; and Your doctor is not recommended you to see a specialist or have the results of further tests, and you do not experience that you have not received the test results.
Allianz Travel Insurance and Conditions that there has been a steady :
Allianz stability period ranging from 90 days to 365 days, depending on the ranking of health of the insured.
Health will describe the medical condition or related conditions, including heart conditions or respiratory conditions lungs /, are:
1.There has been no new treatments; and
2.There has been no change in treatment or change in place for the treatment or the type of treatment; and
3. no signs or symptoms or new diagnosis; and
4. there has been no test results showing a decline; and no hospital; and
5. there has been no referral to a specialist and you do not wait for the results of further investigations carried out by any medical professional.
The following are considered stable:
1. Routine adjustment of insulin to control diabetes insulin provided is first determined over a period of time specified in Exclusion Pre-Existing Condition displayed on your confirmation of coverage.
2. The change from brand name drug to a generic drug is available the first drug is not determined during the time period specified in the Exclusion Pre-Existing Condition displayed on the confirmation of coverage and there is no increase or decrease in the dose.
GMS Travel Insurance and Pre-Existing Conditions Stable :
GMS stability period is always 180 days, regardless of the health of the applicant.
A medical condition is stable, if during the specified time period, you:
1. Not accepting new medical treatments;
2. Not prescribe new prescription drug;
3. Not having changes in medical care;
4. Not had a change in prescription;
5.Your condition does not degrade;
6. No new experience, more frequent symptoms or more severe;
7. Not having or required medical consultation to investigate the symptoms remain undiagnosed;
Has not required hospitalization or referral to a specialist, including the early follow-up visits, tests or investigations related to medical conditions and results are pending; and / or Do not anticipate further medical treatment after the departure of the province live.
Note: when buying a Multi-Trip annual plan, you are experiencing a medical condition after the effective date but before the departure date of each trip subject to the exclusion of stability.
RSA Travel Insurance and Pre-Existing Conditions Stable
the duration of which is given when the stability RSA ranging from 90 days to 365 days, depending on the ranking of health of the insured.
Stable means a medical condition (other than a minor ailment) that all of the following statements are true:
1. There is no diagnosis, treatment or prescription of new drugs;
2. No modifications in the treatment or modification in the treatment, including the amount of medication needed to be taken, how often it is taken, the type of medication or change of place or type of treatment. Exceptions: the routine adjustment of Coumadin, Warfarin, insulin or oral medications to control diabetes and changes in brand name drug to a generic brand medication;
1. There are no new symptoms, more frequent symptoms or more severe symptoms;
2. No test result showed a decrease;
3. No hospital or referral to a specialist and you do not wait for the results of further investigation for that medical condition.
1. But require a change in treatment.
2. However, new treatments are needed.
3. Not indicate a change in scope or severity.
4. Have been treated in accordance with the doctor's instructions.
Here is an explanation of how quoted from online insurance carriers, we define the condition of "healthier". We do not list a period of stability for all our plans cites (note that we quote will display the corresponding period of stability for all travel plans cited).
Manulife Travel Insurance and Its rules exist in health :
Manulife stability period ranging from 3 months to 12 months, depending on the level of health of the insured.
"Stable medical condition" means that all of the following apply:
1. You've never had a new symptom (s); and
2. There symptom (s) have not become more frequent or severe; and
3. Your doctor has not found that your health condition has become worse than ever; and
4. There are no test results that show the likelihood of your health condition will become worse; and
5. You have not received, has been established, arrested or doctor recommends a new treatment, or a change in treatment; and
6. You have not received, predetermined or pre doctors suggest new treatment or change in treatment; and
You have not been hospitalized or referred to a specialist or special clinic; and Your doctor is not recommended you to see a specialist or have the results of further tests, and you do not experience that you have not received the test results.
Allianz Travel Insurance and Conditions that there has been a steady :
Allianz stability period ranging from 90 days to 365 days, depending on the ranking of health of the insured.
Health will describe the medical condition or related conditions, including heart conditions or respiratory conditions lungs /, are:
1.There has been no new treatments; and
2.There has been no change in treatment or change in place for the treatment or the type of treatment; and
3. no signs or symptoms or new diagnosis; and
4. there has been no test results showing a decline; and no hospital; and
5. there has been no referral to a specialist and you do not wait for the results of further investigations carried out by any medical professional.
The following are considered stable:
1. Routine adjustment of insulin to control diabetes insulin provided is first determined over a period of time specified in Exclusion Pre-Existing Condition displayed on your confirmation of coverage.
2. The change from brand name drug to a generic drug is available the first drug is not determined during the time period specified in the Exclusion Pre-Existing Condition displayed on the confirmation of coverage and there is no increase or decrease in the dose.
GMS Travel Insurance and Pre-Existing Conditions Stable :
GMS stability period is always 180 days, regardless of the health of the applicant.
A medical condition is stable, if during the specified time period, you:
1. Not accepting new medical treatments;
2. Not prescribe new prescription drug;
3. Not having changes in medical care;
4. Not had a change in prescription;
5.Your condition does not degrade;
6. No new experience, more frequent symptoms or more severe;
7. Not having or required medical consultation to investigate the symptoms remain undiagnosed;
Has not required hospitalization or referral to a specialist, including the early follow-up visits, tests or investigations related to medical conditions and results are pending; and / or Do not anticipate further medical treatment after the departure of the province live.
Note: when buying a Multi-Trip annual plan, you are experiencing a medical condition after the effective date but before the departure date of each trip subject to the exclusion of stability.
RSA Travel Insurance and Pre-Existing Conditions Stable
the duration of which is given when the stability RSA ranging from 90 days to 365 days, depending on the ranking of health of the insured.
Stable means a medical condition (other than a minor ailment) that all of the following statements are true:
1. There is no diagnosis, treatment or prescription of new drugs;
2. No modifications in the treatment or modification in the treatment, including the amount of medication needed to be taken, how often it is taken, the type of medication or change of place or type of treatment. Exceptions: the routine adjustment of Coumadin, Warfarin, insulin or oral medications to control diabetes and changes in brand name drug to a generic brand medication;
1. There are no new symptoms, more frequent symptoms or more severe symptoms;
2. No test result showed a decrease;
3. No hospital or referral to a specialist and you do not wait for the results of further investigation for that medical condition.
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