Travelling does not have to become complicated due to a pre-existing medical condition, especially if you align yourself with the right medical travel insurer. Regardless of whether you have a minor illness or a more severe condition, you do not necessarily have to spend a lot of time on medical screenings in order to obtain coverage.
Comparing Insurance Providers
Review a website that allows you to make comparisons of travel medical insurers on its platform. For example, compare travel insurance with medicaltravelcompared.co.uk or a similar site to see what various specialist insurers feature in terms of travel medical insurance policies. Make sure you compare the type of services in connection with the cost. While some insurers may charge more in premiums, they may also be able to provide more extensive coverage.
Remember, whilst most of the travel insurers out there will feature plans that will include reimbursement for repatriation coverage and the costs of emergency medical services, the plans will not extend to pre-existing or existing medical coverage unless you disclose a condition and obtain the needed coverage.
Why Pre-Existing Condition Coverage is Important
Unfortunately, the cost of health care overseas as well as repatriation can become quite costly. If you become sick on holiday from an illness that has already been diagnosed, and you learn that you are not insured, it can become quite a shock, especially when you look at the resulting bill. If you don’t want to be faced with a bill that is thousands of pounds, you need to buy coverage for your pre-existing condition.
Before you buy coverage, however, you need to define a pre-existing medical condition. Simply put, the condition is any kind of medical condition you had before you took out your medical plan. When you are filling out the form for the insurance, you need to also complete a medical screening.
The screening involves answering questions regarding your health. Insurers need to know this information in order to see if you are taking a prescribed medicine for a condition related to heart or respiratory health or to a disease, such as cancer. Even if you don’t think the condition will not affect you on our travels, you need to report your medications to avoid invalidating a policy.
Therefore, when you are going through the screening process, you are basically declaring any medical conditions that currently affect you. If you don’t make the declaration and fall ill whilst travelling, you may discover that you are not insured. Regardless of your condition, it is important to declare it. It won’t take you any length of time, and it will help your insurer supply you with the proper coverage.
Medical screening entails a number of multiple choice questions that are used to determine the severity of a medical condition before you purchase travel insurance coverage. While some of the questions may be considered personal, the answers will be kept entirely confidential. Therefore, make sure you answer each question as precisely as you can to make sure you receive the right coverage.
Although some travel insurance platforms require site visitors to answer questions on the phone, others will offer you more privacy and request that answers be submitted online. When you choose an online format, you typically need to click on an “Obtain a Quote” button after you have completed a screening.
Usually, if you answer an online screening, you will be presented with a medical declaration, which will show you what kind of medical conditions can be declared. Insurers will need to know the pre-existing medical condition(s) as well as details about a hospital admission or the date of diagnosis. If you are unsure why you are taking a certain medication, consult your doctor for the answer.
One important thing to remember and note is to make sure you do not declare some of your medical conditions and exclude others. Otherwise, you could void your coverage. Many of the medical conditions can be covered at no additional charge. That is why it is necessary to make declarations.
Pricing the Premium
The severity of a condition determines the pricing of the premium. Insurers base the extra expense on the potential of you needing any medical treatment whilst you’re travelling overseas. The premium will also be based on the likelihood that you will cancel the holiday after becoming sick. Naturally, the more severe the condition, the likelier the risk of a cancellation and an increase in your premium.
In addition, the travel destination is also reflected in the cost of the premium. If you already have a pre-existing condition, some places are medically more costly, thereby causing you to have some difficulty in obtaining coverage.
It is a standard procedure for insurance companies in the travel field to base their premium prices from low to high in relation to the places they cover geographically. These categories cover, in order (from low to high) the UK, Europe, worldwide (except the USA, Canada and the Caribbean) and worldwide (plus the USA, Canada and the Caribbean). Other factors that affect travel costs, besides the destination, include the age of the insured and the travel time.
The UK and European travel destinations are usually cheaper to insure as European countries are in closer proximity to the UK. Therefore, if you need to cancel a trip to a country in Europe, and you are flying from the UK, it is cheaper than if you booked a flight to Australia. As a result, the savings are passed on to you.
When obtaining coverage for a pre-existing medical condition, the price of the insurance is also determined by the current health of the insured and what type of health care system is featured in the country he plans to visit. If a country’s health care system is a privatised, high-level system, it will cost more to obtain medical attention and treatment. As a result, visiting some countries can substantially affect your premium’s cost.
Some of the countries that operate a privatised and high-level type of health care include Malta, Spain, the Canary Islands, the Balearic Islands, and Cyprus. If you have trouble obtaining a quote for this area of the world, reconsider your travel plans and choose another country where you can more easily obtain coverage.