Shopping around for insurance for visitors to US involves a lot of thought and energy; especially if the visitor has a “pre-existing condition”. While researching you may encounter the term “acute onset pre-existing condition” in the insurance plans. You must be wondering whether “acute onset of pre-existing conditions” is the same as “pre-existing conditions.” Don’t get confused. The coverage of “acute onset of pre-existing conditions” is not the same as the coverage of “pre-existing conditions”. Let’s understand how these terms are different:
Pre-Existing Medical Condition
Although there are different definitions of “pre-existing conditions” out there, the complex syntax and how they are defined can be confusing. In general the “pre-existing conditions” are medical conditions or other health problems that existed before the date of an individual’s enrollment or effective date of a health insurance plan. To put it in a nutshell – medical conditions that existed before your policy started. Some of the commonly understandable “pre-existing conditions” can be chronic illnesses like diabetes, high blood pressure, asthma etc. The “pre-existing conditions” can include chronic injuries like back pain too. The “pre-existing condition” varies from person to person depending on their unique medical history or record.
Short-term insurance including travel Insurance companies normally don’t cover these conditions.
Acute Onset Of Pre-Existing Condition
An “acute onset of pre-existing condition” means a sudden occurrence or manifestation of the “pre-existing condition”. This means the medical incident is unexpected and there is no forewarning by the doctor. Here is one of the definitions that is repeatedly found on the web: An Acute Onset of a Pre-existing Condition is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.”
Must Read: Acute onset of Pre-existing Conditions FAQs
Analyze the fine prints of the insurance policies thoroughly and make an informed decision. Knowledge of these terms might help you choose the right policy that fits your specific needs. When shopping for visitors insurance policies, it is a good idea to inquire with a licensed insurance agent when considering a policy that covers an acute onset of pre-existing conditions because of the complexity of the coverage. Many policies that offer coverage for an acute onset of pre-existing conditions exclude coverage for chronic pre-existing conditions (high blood pressure, diabetes, etc). However, there may be an available coverage for you depending on the insured’s age.
To learn more about pre-existing conditions for Visitors Insurance, please refer to this article: Determine pre-existing conditions for travel insurance