What does Pre-Existing condition Insurance mean?
Pre-Existing condition Insurance means that any pre-existing condition for In-Patient, out-patient, urgent-care, and specialist visits is covered in the health insurance for visitors to the USA with pre-existing conditions. For example, In a situation, a visitor has heart-related problems. In case he may begin experiencing heart pain, he can visit the cardiologist for an immediate cure. Pre-existing coverage would cover such conditions underneath it.
The presence of a Pre-Existing Condition usually excludes or prevents coverage for the particularized conditions under a policy. It holds to medical conditions affecting the insured, their traveling companion, or their family members. It’s always advisable to go for the best medical insurance for pre-existing conditions, especially for your visiting parents.
Individuals above 65 years with a pre-existing condition:
Those who are above 65 years of age and checking for visitor travel insurance plans with pre-existing coverage can check with Visitor Insurance that provides details online.
Some of the plans that provide insurance with pre-existing coverage are:
Fixed Benefits Plans: Visitors Care, Inbound USA Basic, Inbound USA Choice, Inbound USA Elite are some of the options
Comprehensive Plans: Atlas America, Patriot America Plus, Patriot Platinum, Liaison Travel Plus, Liaison Travel Basic, Liaison Choice, Liaison Travel Elite, INF Elite, Safe Travels USA are some of the options.
What is not included in a pre-existing condition coverage plan?
The regular medicines or frequently required treatments are never covered. If you visit a country to have some medical treatment, that is also not covered, nor complexities from such treatment. Childbirth for an already pregnant woman is also never covered.
Things to Note –
Many times we see that insurance plans cover only acute onset of pre-existing conditions. “Acute” means that the condition came on abruptly and required to be taken care of immediately. Most organizations use 24 hours as a standard time. If it is taking weeks to come on, it may not be covered. Also, the condition must be a life-altering situation such as vision, hearing, ability to walk. Make sure to be in stable condition before the trip starts and travel with your doctor’s permission, and be sure there have been no alterations in your medicines or treatments for some time.
Visitors Insurance 