Pre-Existing Conditions
International expatriate insurance plans will not cover all treatment for everyone. The insurance company will ask about your medical history when you take out an expatriate insurance plan and then based on the information you supply they will ‘underwrite’ your application and make a decision about the coverage of your pre-existing conditions.
There a number of different options the insurance company may take. The most common is the standard exclusion of any treatment for ‘pre-existing conditions’. This means that they will not cover the cost of treatment for the specific condition or any related conditions.
An alternative is that the Expatriate insurance company places a two year moratorium on these pre-existing conditions. After this two year waiting period they agree to reconsider the exclusion. They may keep it in place, but if you have had no treatment for, or recurrences of the condition then it may be reinstated into your cover.
Finally the insurer may place a ‘loading’ on your plan; the insurer will agree to cover the cost of treatment for your pre-existing condition but they will increase your annual premium accordingly. This is a less common scenario but if you know of a pre-existing condition and you would like it included in your coverage we are happy to search for an expatriate insurance company willing to do so.
It is also possible that if you are applying as a company (group plan) then when can arrange a policy that will cover all people entering the group for all pre-existing conditions (including maternity). This is only possible with larger groups but if you have a company and this is important to you then we can arrange this.
If you have a pre-existing condition and would like advice on the best way to get it covered, please contact an advisor.
Want to ask a question or leave a comment? Click Here
Recent Questions / Comments:
| Click Here to Read the Answer | |
| Hi, My mom will be coming from north africa to visit me in the USA and stay for acouple of weeks. Recently she has been having a heavy hand and legs feeling. She has been prescribed a medication that is usualy prescribed for patients with mild parkinson's. I would like to get some second opinion and test(scans) performed on her in the USA. I don't think that she has parkinson's and I would like to confirn this in a center/hospital that I trust. My mom has an inssurance coverage with mutuelle Maroc,which is a partner with SwissLife and AXA. I wonder if she can get an international coverage with your company that will covers specialist evaluation, MRI, and oether scans if necessary. Thank you | |
| Click Here to Read the Answer | |
| Hi, We (Doanldson Europe BVBA in Belgium) are looking for a hosptal & medical insurance for one of our families (family van den Enden) we are relocating to Brockville, Canada. Up till now we haven't found an insurance compay willing to cover the pre-existing condition of Mrs. van den Enden which is bronchial asthma. Would you be able to offer us a solution with an insurance who is willing to cover also the pre-existing condition. Thanks in advance for your reply, Veerle Matthijs | |
| Click Here to Read the Answer | |
| do you have any insurance plan for Ivf treatment? Like if the first attempt is not successful then is there any plan to cover the next attempt? | |
Questions and Comments about this Page:
| Veerle Matthijs: | |
Question: Hi, We (Doanldson Europe BVBA in Belgium) are looking for a hosptal & medical insurance for one of our families (family van den Enden) we are relocating to Brockville, Canada. Up till now we haven't found an insurance compay willing to cover the pre-existing condition of Mrs. van den Enden which is bronchial asthma. Would you be able to offer us a solution with an insurance who is willing to cover also the pre-existing condition. Thanks in advance for your reply, Veerle Matthijs Answer: There are a number of options in regards to the coverage of a pre-existing condition under a global health insurance plan. Typically, however, international health insurance plans will not cover a pre-existing condition, as insurance is meant to protect against future risks, not to pay expenses for risks that have already occurred. Insurance companies will generally deal with a pre-existing condition in one of 4 ways. These are; moratorium, exclusion, premium loading, or medical history disregarded. Read more about "Do you cover pre-existing conditions?" |
|
Edited: 2007-12-19 01:15:03 |
|
| tamer: | |
Question: my wife has multiple sclerosis (MS) does this disease come under chronic and can it be covered by the insurrance in terms of doctor consultation and in terms of medication if possible Answer: Chronic conditions can be covered with an international medical insurance plan. However, it is important to note that different plans will have different coverage levels associated with the chronic condition protection that they offer. Pre-existing conditions, however, will normally be excluded from coverage although there are a number of ways with which an insurer will deal with a pre-existing condition. A pre-existing condition is defined as “any illness, injury, or medical condition, that has manifested symptoms, displayed itself, or otherwise made itself known to an individual prior to the enrollment in an international health insurance plan”. Read more about "Can pre existing conditions be covered?" |
|
Edited: 2007-08-29 02:00:05 |
|
