Getting an Insurance Coverage for Those That Have Pre-existing Conditions
It can be challenging for someone has a serious condition to find a travel insurance policy with a good rate. You have to keep it in mind that your efforts will certainly produce great results. There are travel insurance meant for those who have pre-existing conditions and the rates are based solely on the nature of the person's illness.
Insurance companies have a greater risk when they insure a person who has been declared as having a medical issue. These people are more likely to require medical intervention when they are travelling. The result is that they often make the condition an exception if not they will give a higher rate for the coverage. Learn more here!
First off you need to understand what a pre-existing medical condition is for the insurance companies. If you had an illness or a medical condition even if it had been cured can be deemed as a pre-existing medical condition. If you have shown symptoms of an illness even if it has not been diagnosed may also be considered as a pre-existing medical condition when you buy a travel insurance. Asthma and other acute illnesses like infections may also be considered as pre-existing condition.
The question often asked is what would a person with pre-existing condition do. There are several things that can be done of course depending on the condition. One of them is to stick with a group policy. One other thing is for you to become accepted for a guaranteed renewal individual policy before any pre-existing condition appears. For as long as you pay the premium, you can enjoy the coverage regardless of what condition you may incur in the future. A good insurance broker would be able to determine the policies that are guaranteed and those that are underwritten individually every year.
You may also agree with the insurance company to adhere to the strict coverage limits for your very own pre-exiting condition. Or you can be a rider leaving the pre-existing condition off the insurance policy but still covering all the other conditions.
You may also have a total pre-existing condition coverage which is a more costly coverage. But you will have coverage for all your pre-existing conditions. It will pay for any doctor's visits you will make while you are abroad and even your hospital stays. It also includes coverage for hospital ambulance or repatriation of your remains if ever you were to die while abroad and on holiday. You can get more info at http://www.aardvarkcompare.com/blog/airline-flight-insurance/ for more details.