What medical conditions do you need to declare for travel insurance?
Some of the most commonly declared pre-existing medical conditions include:
- Chronic illness, including cancer.
- Crohn’s disease.
- Circulatory problems, including stroke and high blood pressure.
- Heart conditions.
- Respiratory issues, including asthma.
- Cystic fibrosis.
- Back pain or joint problems.
Which medical conditions affect travel insurance?
What is a pre-existing medical condition in relation to travel insurance?
- Heart and respiratory conditions including Heart disease Arrhythmia and Asthma.
- Human Immunodeficiency Virus (HIV) and Acquired Immunodeficiency Virus (AIDS)
- Mental health conditions including Stress, Anxiety and Depression.
What is considered a preexisting condition for travel insurance?
For the purposes of buying travel insurance, a pre-existing condition is defined as any illness, disease, injury or other condition that happens prior to a plan’s effective date and for which you experienced symptoms or sought treatment.
What do you declare on travel insurance?
Common conditions that need to be declared
Medical conditions that you will need to declare to claim travel insurance range from high cholesterol to cancer, and also include conditions or diagnoses that have recently occurred, such as a heart attack or stroke.
What counts as a pre-existing condition?
A health problem, like asthma, diabetes, or cancer, you had before the date that new health coverage starts. Insurance companies can’t refuse to cover treatment for your pre-existing condition or charge you more.
What counts as pre-existing medical condition?
A medical illness or injury that you have before you start a new health care plan may be considered a “pre-existing condition.” Conditions like diabetes, COPD, cancer, and sleep apnea, may be examples of pre-existing health conditions. They tend to be chronic or long-term.
Is High Blood Pressure a pre-existing medical condition for travel insurance?
Yes, high Blood pressure is considered a pre-existing condition for all visitor health insurance plans.
Do I have to disclose pre-existing conditions?
Under the Affordable Care Act, health insurance companies can’t refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts. … They don’t have to cover pre-existing conditions.
Does taking statins affect travel insurance?
Taking statins shouldn’t increase your travel insurance premium, but if you find it does and you’re caught in negotiations over price, take a step back to compare your options.
Can I exclude a medical condition from travel insurance?
You’ll need to declare all existing medical conditions when buying travel insurance. … Some policies or insurers won’t cover your medical condition. While others will give you cover but exclude your particular condition or charge extra for it.
Can insurance deny claim for pre-existing condition?
Under current law, health insurance companies can’t refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts.
Is anxiety a pre-existing condition for travel insurance?
Any diagnosed medical condition, being physical or psychological (such as personality disorders, anxiety or depression), will need to be declared on the policy to ensure that you are fully covered when you travel.