Q1. What are the pre-exiting conditions? How do insurance companies determine these conditions?
Generally High Blood Pressure, Diabetes,
AIDS, Pregnancy and any such physical problems
which can't be considered to be occurred
overnight comes under pre-existing conditions.
However each insurance company have their
own definition, hence it is advised to read
more about it before buying a particular plan.
Any Injury, Illness or medical condition
(s) which meets any of the following criteria
will be considered as a Pre-Existing Condition
(s): a) condition (s) that would have caused
a person to seek medical advice, diagnosis,
care or treatment prior to the Effective
Date of coverage under the Policy; 2) condition
(s) for which manifestation, medical advice,
diagnosis, care or treatment was recommended,
received, or noticed prior to the Effective
Date of coverage under the Policy.
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Q2. Who determines if it is a Pre-Existing Condition?
The Insurance request and look at the attending
Physician's (Dr's and Hospital's) Statement,
past and present Medical Records, History,
and the nature of the treatment and condition
to determine if the condition is Pre-Existing.
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Q3. Why Pre-existing conditions are not covered by the insurance plans?
Travelers/Visitor insurance plans are short terms plans,
if they start covering pre-existing conditions
they will end up paying much more then they
get from the premium and can't run their business profitable.
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Q4. Why should I purchase insurance if it does not cover pre-existing conditions?
Medicare and health services costs in the USA are very high
. The costs can be financially devastating
especially in case of any emergency or accident
and hospitalized. Visitors insurance is
a means to insure against such unanticipated
medical emergencies and should not be viewed
as a means to get medical treatment to existing medical problems.
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Q5. I want to get my surgery done for xyz problem, will this insurance help?
No. Such things come under Pre-existing
conditions, hence they will not be covered.
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Q6. I want to get my full physical check up done while in the United States. Will the insurance cover it?
No, none of the visitor insurance covers physical check up and any other preventive care.
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Q7. I want to have a vision/eye test and get new pair of eye glasses. Is this covered in the insurance?
No.
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Q8. Is pregnancy and prenatal care covered?
No. |
