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Can you provide coverage for pre existing conditions?

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Question: My uncle holds a Pakistani passport but is now living in the UK. However, he recently had an accident that will require a major surgery. I would, therefore, like to find out what exact pre-conditions can disqualify him to apply for a health/hospitalisation insurance.

Answer: 

We can provide a number of internatonal health and medical insurance plans that will offer you comprehensive in-patient coverage. It is important to bear in mind that many pre-existing conditions may be excluded form coverage. When looking at a policyholder with pre-existing conditions, insurance companies will decide to do one of three things. The first option for covering a pre-existing condition is with a moratorium; under this option the insurance company will place a waiting period of usually 24 months on the condition before covering it. If during this waiting period there are no symptoms displayed, or treatment sought for the condition, then it may be reconsidered for coverage.

The second option is coverage with loading; in this instance the insurer may decide to cover the condition at the expense of an increased premium. It is important to be aware that not all pre-existing conditions can be covered by loading the plans premium. The third coverage option is the exclusion of the condition from coverage. If the condition is excluded then the insurer will not provide protection for that condition or any consequences of the condition.

When dealing with pre-existing conditions it is very important to be clear about the condition itself. Different pre-existing conditions will have different coverage options, and these coverage options will change between insurance companies. In order to find a suitable plan for your uncle we will need to know exactly what his condition entails, his age, and his geographic area of coverage.

For more information about the different options for pre-existing conditions, or to receive a free international medical  insurance quote, please contact one of our expert advisers today.

 

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Recent Questions/Comments:

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2008-01-07 22:52:58
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

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2007-12-19 00:42:05
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


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