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Pre - Existing Condition Benefits

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Pre - Existing Condition Benefits

A 'Pre-Existing Illness/Condition' is one with which the person is already suffering from and is availing ongoing medical treatment when he/she buys the policy. It could also be related to a major surgery that the insured has had in the recent past.
Pre existing medical conditions of the travellers are covered by only a few insurance companies under travel insurance plans. To know the difference between the benefit details for pre existing conditions, refer the below table. Travelers can make an informed choice on pre existing coverage offered under travel insurance. Please note that the definition of pre existing coverage can vary from insurer to insurer. Refer travel insurance plan brochure online for further details.

Insurance plans offering Pre-Existing condition coverage

  • Pre-Existing Condition Coverage for Travel- Individual
    Reliance Health Insurance Plans
    • Pre existing diseases are covered in case of life threatening only for travelers below 70 years.
    • Covers pre-existing ailments in case of life threatening situations if declared (other than the critical illness).
    • Some of the pre existing diseases which are not covered by Reliance travel insurance plan are Cancer / Leukemia / Malignant Tumor, Cardiac ailments, Chronic obstructive pulmonary disease (COPD), HIV /AIDS, Kidney Ailment, Liver Disease, Neurological Disorder / Stroke / Paralysis, Thalasemia, Insulin Dependent Diabetes.
    Deductible: $50
    Religare Insurance Plans
    Gold (USD $50,000/$100,000/$300,000/$500,000) Life Threatening Condition
    10% of Sum Insured
    Platinum (USD $50,000/$100,000/$300,000/$500,000) Life Threatening Condition
    10% of Sum Insured
    Deductible: $100/ € 75
    TATA-AIG Health Insurance Plans
    • Reimbursment up to $1500 per policy for pre-existing medical conditions in case of life threatening situations.
    • Travel Guard policy covers pre-existing diseases for travelers of all age group.
  • Pre-Existing Condition Coverage for Annual Multi-Trip
    Reliance Health Insurance Plans
    • Coverage for Pre-existing Ailments and Maternity -in case of life threatening situations.
    • Medical expenses towards treatment of any pre-existing illness (unless of life threatening nature), pregnancy or complication related to the same (unless of life threatening nature), suicide, self inflicted injury or illness, mental disorder, anxiety, stress or depression, venereal disease, alcohol/drug abuse, dangerous sports, HIV/ AIDS etc will not be payable.
    Religare Insurance Plans
    Gold (USD $50,000/$100,000/$300,000/$500,000)
    Up to 10% of Sum Insured(Life Threatening Condition)
    Platinum (USD $50,000/$100,000/$300,000/$500,000)
    Up to 10% of Sum Insured(Life Threatening Condition)
    Deductible: $100 / € 75
    TATA-AIG Health Insurance Plans
    • Pre-existing ailments or medical conditions are covered up to $1500 only incase of life threatening situation.
  • Pre-Existing Condition Coverage for Student
    Religare Insurance Plans
    Start
    Up to $150
    Plus (USD $50,000/$100,000)
    Up to 10% of Sum Insured
    Super (USD $50,000/$100,000/$300,000/$500,000)
    Up to 10% of Sum Insured
    Ultra (USD $50,000/$100,000/$300,000/$500,000/$1,000,000)
    Up to 10% of Sum Insured
    Deductible: $100
    Royal-Sundaram Health Insurance Plans
    Silver ($50,000)
    Up to $500
    Gold ($1,00,000)
    Up to $1,000
    Platinum ($2,50,000)
    Up to $2,500
    Titanium ($5,00,000)
    Up to $5,000
    Diamond ($7,50,000)
    Up to $5,000

Insurance FAQ's

Pre-Existing disease/condition declared at the time of purchase of policy will be considered for claim, subject to this condition resulting in the insured member facing a life-threatening situation. The limit is defined under the policy terms and conditions and is available till the member has been medically stabilised.

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You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.

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Travelers who have already traveled from India and do not have insurance can buy travel medical insurance after approval.

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Insurance customers can renew their existing policy online before the exipry date at any time.


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