In order to understand acute onset of pre-existing condition let's understand the basic difference between pre-existing condition and acute onset of pre-existing condition.
Pre-existing conditions are medical conditions (both diagnosed and undiagnosed) that existed in a person before the insurance policy became effective. Depending on the unique medical history, these medical conditions vary from person to person. These can be blood pressure, various heart ailments, diabetes, kidney disease, cancer, asthma, and other chronic ailments and injuries like pain in the back or knee.
The general definition of acute onset of a pre-existing condition found on the web is that acute onset of pre-existing condition is a sudden and unexpected occurrence of these pre-existing medical conditions without any prior warning from a medical professional. The treatment has to be obtained within 24 hours after the first symptoms occur.
The above definition does not cover all the aspects of acute onset of pre-existing conditions. Many insurance buyers are under the misconception that any sudden manifestation of symptoms is covered under acute onset of pre-existing conditions coverage. That may certainly not be the case. Let us take an example, if a medical condition like cancer has existed in a person for some time before the insurance policy was bought, and was diagnosed at the time the person had a medical incident, he or she may not qualify for acute onset of pre-existing condition coverage.
Certain scenarios might further help understand the terms of this coverage. Let's take the example of Mr. Smith. He suffers from a heart ailment and had a heart attack in the past. The doctor has advised him to manage his conditions by exercising daily and not participate in any stressful activities that can worsen his condition. Let's assume he has a sudden heart attack. He may not be covered under acute onset of pre-existing conditions if he finds himself in the following scenarios:
- Scenario 1: He goes for adventurous sports activities like bungee jumping. If he is rushed to the hospital complaining of heart-related issues during or after the activity, he may not be covered under acute onset of pre-existing conditions coverage because he violated certain conditions and precautions associated with heart ailments.
- Scenario 2: Mr. Smith misses his medication, or takes half of the recommended dosage, or does not take regular dosage, he may not covered under acute onset of pre-existing conditions because he failed to follow the recommendations prescribed by his physician.
- Scenario 3: If Mr. Smith does not follow recommended exercise regimen, general health and diet guidelines.
In all the above scenarios, Mr. Smith failed to take proper care, follow guidelines, and take adequate precautions to manage his pre-existing condition.
If he had followed the recommended guidelines like follow proper diet and exercise routine, not indulge in any adventurous sports activity that causes over-excitement, and still suffers an emergency medical incident or episode, he may be covered under acute onset of pre-existing condition coverage.
In order to be eligible for acute onset of pre-existing coverage the insured has to take responsibility to keep the pre-existing condition under control. The insured will be eligible for acute onset of pre-existing condition coverage if he or she suffered a sudden and severe manifestation of pre-existing condition in spite of all the efforts to keep it under control.
Finally, in order to be eligible for acute onset of pre-existing coverage the insured has to take responsibility to keep the pre-existing condition under control. The insured may be eligible for acute onset of pre-existing condition coverage if he or she suffered a sudden and severe manifestation of pre-existing condition in spite of all the efforts to manage it. The medical conditions, doctor's diagnostic reports, and tests must satisfy the insurance benefit guidelines.
Note: The information presented here is information purpose only, and examples are hypothetical. The information is limited and just to present a possible concept. Only a qualified medical expert can determine or comment whether or not a particular medical condition is preexisting condition. Whether or not particular condition is qualified under acute is subjective. Any claim related matters are subject to be handled by the insurance plan claim experts. Author (Visitors Coverage) is neither a qualified medical expert nor a claim processor. Do not make your insurance plan choice solely based on this information. It is always recommended to review the description of coverage and understand policy exclusions thoroughly.
Here are a few travel insurance plans that provide acute onset of pre-existing medical conditions coverage for US travelers up to a certain limit: Acute Onset of Pre-Existing Condition: Insurance Plans