Get The Right Cover Before You Head Off – 5 Things You Should Know About Travel Insurance For Medical Conditions
Travel is time-reserved for relaxation, fun and freedom. If you need peace of mind while travelling, it is advisable that you get insurance for medical emergencies. There are many travel insurance packages and policies that provide cover for medicare, medical transport, evacuation, hospital incidentals and repatriation.
It is your obligation to declare any pre-existing medical conditions before purchasing such a policy as failing to do so may result in a refusal by the insurance company to pay your claims. In certain instances, the claims may also be withheld; this is particularly the case when the insurance company is analyzing the cost of your policy and the risks involved. The higher the risk involved, the higher the premiums are.
These policies may be a bit more expensive but are nevertheless crucial. Here are the five things you should know about regarding travel insurance for medical conditions:
1. It is more beneficial for you to claim your pre-existing medical condition and pay higher premiums than keep mum. You can only imagine the problems you’ll face when your insurer refuses to pay your claims if you fall sick and get hospitalized while on a foreign country. Nothing will comfort you better than the thought of having your medical bills covered while you are receiving medical attention at a quality health-facility.
2. Another factor considered is the function of the insurance cover. The primary goal of the cover is to take care of medical emergencies while you’re abroad. In most countries, citizens get first priority when it comes to health care provision. Non-citizens may be offered the same services but at a higher fee. This is where your travel insurance cover comes into play.
3. Getting a travel insurance cover for medical conditions may prove to be a daunting task as only a handful of insurance companies around offer such policies. Do not make the mistake of going for an insurer who provides a medical cover that’s not related in any way with your pre-existing medical condition. It is completely up to you to find insurance companies that cater for your needs. You might consider using the internet platform to compare insurance quotes and policies of different companies.
4. It is always advised that before you sign any contract, take time and read through the policy! Get to learn about how the insurance company defines as a pre-existing medical condition. A number of companies define this term as an illness or injury which you may have suffered 120 days before you bought the policy. It may also be used to refer to an injury or illness were receiving treatment of at the time you were signing the contract.
5. If you feel that the travel insurance policy you have does not cover you adequately, consider buying another one. There are various type of travel insurance covers for medical conditions you can try out including the private health-insurance cover. Some companies offer policies that cover you on a one-way trip whereas others do so for a certain period of time. As a rule of the thumb, compare at least 3 companies before you settle for a particular one.
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