What is a pre-existing medical condition?
Health Conditions This insurance operates on the following basis: • To be covered, you must be healthy, fit to travel and to undertake your planned trip. • The insurance will NOT cover you when you are travelling against the advice of a Medical Practitioner (or would be travelling against the advice of a Medical Practitioner had you sought his/her advice). • The insurance will NOT cover you when you are travelling with the intention of obtaining medical treatment or consultation abroad. • The insurance will NOT cover you if you have any undiagnosed symptoms that require attention or investigation in the future (that is symptoms for which you are awaiting investigations/consultations, or awaiting results of investigations, where the underlying cause has not been established). No claim arising directly or indirectly from a Pre-existing Medical Condition affecting any person travelling under this insurance will be covered unless: • You have declared ALL Pre-existing Medical Conditions to
If you have had/have a certain type of illness (depending on your policy and insurer) then this may be called a pre-existing condition. These illnesses usually include conditions such as diabetes, AIDS, pregnancy and high blood pressure, for example. Having a pre-existing condition doesnt always mean that you cannot get coverage but you may have meet certain conditions.
A Pre-Existing Medical Condition is any injury, sickness or medical condition of yourself, a traveling companion or a member of your or your traveling companion s family for which medical advice, diagnosis, care or treatment was recommended or received within the 180 day-period ending on the effective date of your Worldwide Trip Protector policy. A condition is not considered pre-existing if the condition for which prescribed drugs or medicine are taken remains controlled without any change in the required prescription.
A pre-existing medical condition is a condition for which you received medical advice, diagnosis, care or treatment prior to enrolling in a new health plan. Cancer is an all-too common example of a pre-existing condition. Before HIPAA, your new employers health plan would probably refuse to cover the cancer treatment for several years, if at all, if you had been treated for the cancer prior to your enrollment.
