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Pre-existing coverage plans in travel insurance

Compare quotes for pre-existing plans

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Reliance Travel Insurance

Travel insurance for pre-existing conditions

A pre existing condition is defined as any condition, ailment or injury or related condition(s) for which the insured had signs or symptoms, which was diagnosed and for which the insured received medical advice/ treatment, within 48 months prior to commencement of the first Policy issued by the Insurer.

This means that if the insured is traveling abroad with a pre existing condition and avails of any treatment abroad, the insurance company will not be liable for paying the claim.

The insurance company normally goes by the guidance of the attending physician in the medical facility abroad while deciding whether a condition is pre existing or not. If the attending physician declares that the cause of the treatment is a pre existing condition carried by the insured, then the treatment costs will not be reimbursed under the policy.

Some insurance companies offer a limited coverage for medical expenses arising due to pre existing conditions, when the situation is Life threatening in nature (between $1,000 and upto 10% of Accident & Sickness Sum Insured). This coverage is only available till the insured traveller can be made medically stable.

A Life threatening condition is an unforeseen medical emergency, which puts the life of the insured at extreme risk. In such event, measures solely designed to relieve acute pain or make the insured medically stable, provided to the Insured by the Physician for Disease/accident arising out of a pre-existing condition would be reimbursed upto a limit specified in the policy terms and conditions. The treatment for these emergency measures would be paid till the insured becomes medically stable or is relieved from acute pain. All further medical cost to improve or maintain medically stable state or to prevent the onset of acute pain would have to be borne by the Insured.

It is important to be noted that all plans displayed on the eindiainsurance website do not offer coverage for pre existing conditions. Hence the traveller should review the plan prior to purchasing the same, if they are looking for such a cover. If the traveller still has clarifications regarding the same, it is better to speak to our customer service executive.

Most policy certificates of the insurance companies explicitly state the non availability of coverage for pre-existing diseases on the face of the policy certificate, and the policy terms and conditions which are shared with your along with the certificate, will state that this coverage is not available as well.

For example if the insured traveller is a diabetic and are is under continuous medication for diabetes, the same will be treated as a pre-existing condition and excluded under the policy. This means that if there is any treatment undertaken by the insured while abroad, and the attending physician deems that this is related to his/her diabetic condition, then the insurance company has the right to repudiate the claim. It is important to however note that if there is any treatment availed by the insured which is not related to the diabetic condition, then the same is covered under the policy. Similarly, for a heart patient, if they are under continuous medication for the condition, the same will be treated as pre-existing.

Also If they have had the bypass surgery within 48 months prior to commencement of your travel/trip, then the same will be treated as a pre-existing condition under the policy and any claim/treatment occurring as a result of the surgery, will not be covered under the policy. Similarly if 48 months have elapsed since the surgery, but you are still under continuous medication for the bypass, the same will be treated as a pre-existing condition and excluded under the policy. However if there is any treatment availed by the insured which is not related to the diabetic condition, then the same is covered under the policy.

The good news for all travellers with a pre existing condition is that there are some insurance companies which provide this coverage subject to prescribed limits, terms and conditions. The traveller can log onto eindiainsurance and check out the Pre Existing Coverage section to opt for such plans. It is strongly recommended that if the traveller has a pre existing medical condition, they avail a suitable plan (even if the coverage for such conditions is limited) prior to departing on their trip.

Which travel insurance company cover pre-existing diseases ?

Following are the best pre-existing coverage plans in travel insurance offered by some indian insurance companies for overseas travel. These plans offer pre-existing diseases cover under life threatening conditions :

Compare pre-existing coverage plans Age group Plan name Policy maximum (USD) Coverage for pre-existing
TATA AIG Travel Guard Insurance

Tata Aig
3 months to 70 years Silver Plan $50,000 Up to $2,500
Silver Plus plan $100,000 Up to $5,000
Gold Plan $250,000 Up to $10,000
Platinum Plan $500,000 Up to $12,500
Titanium Plan $750,000 Up to $15,000
Titanium plus Plan $1000,000 Up to $20,000
71 years to 80 years Senior Plan $50,000 Up to $2,500
Senior plus Plan $100,000 Up to $3,000
81 + years Super Senior Plan $50,000 Up to $1,500
Bajaj Allianz Travel Insurance

bajaj travel insurance
6 months to 70 years Travel companion $50,000 Up to $3000
$200,000
$500,000
6 months to 70 years Travel elite $50,000 up to $3000
$200,000
$500,000
71 to 99 years Senior citizen plan $50,000 up to $3000
6months to 70 years Travel prime $50,000 up to $3000
$200,000
$500,000
$750,000
$1000,000
70+ years Travel prime age $50,000 up to $3000
6 months to 70 years Travel ace $50,000 up to $3000
$100,000
$200,000
$500,000 up to $5000
70+ years Travel ace age $50,000 up to $3000
Care travel insurance

Care travel insurance
1 day to 80 years Explore silver, Explore gold, Explore platinum, Explore asia, Explore europe $50,000 up to 10% of sum insured
$100,000
80 to 90 years Explore gold, Explore platinum, Explore asia, Explore europe $50,000 up to 10% of sum insured
Reliance Travel Insurance

reliance
up to 70 years Standard Plan $50,000 up to 1% of sum insured
Silver Plan $100,000
Gold Plan $250,000
Platinum Plan $500,000

Common factors for rejection of travel insurance claims?

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FAQ's related to pre-existing condition

What is a Pre Existing Condition? Are treatment costs for such conditions excluded under the policy?

A pre existing condition means any condition, ailment or injury or related condition(s) for which the insured had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to commencement of the first Policy issued by the Insurer. This means that if the insured is traveling abroad with a pre existing condition and avails of any treatment abroad, the insurance company will not be liable for paying the claim.

The insurance company normally goes by the guidance of the attending physician in the medical facility abroad while deciding whether a condition is pre existing or not. If the attending physician declares that the cause of the treatment is a pre existing condition carried by the insured, then the treatment costs will not be reimbursed under the policy. Some insurance companies offer a limited coverage for medical expenses arising due to pre existing conditions, when the situation is Life threatening in nature.

A Life threatening condition is an unforeseen medical emergency, which puts the life of the insured at extreme risk. In such event, measures solely designed to relieve acute pain, provided to the Insured by the Physician for Disease/accident arising out of a pre-existing condition would be reimbursed upto a limit specified in the policy terms and conditions.
know more.

If you have had the knee replacement or bypass surgery within 48 months prior to commencement of your travel/trip, then the same will be treated as a pre existing condition under the policy and any claim/treatment occurring as a result of the surgery, will not be covered under the policy.

If you are still under continuous medication for diabetes, the same will be treated as a pre-existing condition and excluded under the policy. Some insurance policies have a limited coverage for pre-existing conditions in life threatening conditions, this could provide some coverage subject to other terms and conditions of the policy, if the life threatening condition is a result of you being a diabetic.

Some insurance plans have a limited coverage of medical expenses in 'Life Threatening situations' subject to other terms and conditions of the policy. Medical expenses due to a Life threatening unforeseen emergency is defined as those solely designed to relieve acute pain, provided to the Insured by the Physician for Disease/accident arising out of a pre-existing condition that would be otherwise covered/reimbursed. The treatment for these emergency measures would be paid till the insured becomes medically stable or is relieved from acute pain. Kindly refer to the terms and conditions of the policy to under this in more detail.

A ‘Pre-Existing Illness/Condition’ is one with which the person is already having an ongoing medical illness/condition and is availing medical treatment when he/she buys the travel insurance policy. It could also be related to a major surgery that the insured has had in the recent past. Most travel insurance plans exclude Pre-existing conditions, which means that if there is any treatment that the insured traveller takes which is related to a pre-existing condition/illness, the same will not be covered under the policy. For example, if the insured has had a major surgery (Cardiac Open Heart surgery) within 48 months prior to commencement of their travel/trip, then the same will be treated as a pre-existing condition under the policy and any claim/treatment occurring as a result of the surgery, will not be covered under the policy. Also if 48 months has elapsed since the surgery, but the traveller is still under continuous medication for the bypass, the same will be treated as a pre-existing condition and excluded under the policy.

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