Pre-existing Coverage Plans

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.

While the policy certificate of most insurance companies may not explicitly state the availability of coverage for pre-existing diseases on the face of the policy certificate, the policy terms and conditions which are shared with your along with the certificate, will state that this coverage is available, subject to prescribed limits, terms and conditions. Some insurance companies have designed visitor travel insurance for pre existing conditions, when the situation is Life threatening in nature..

Following International travel health insurance for pre-existing conditions plans offer coverage for Pre-existing condition under life-threatening situations:
Compare Pre-existing Coverage Plans Plan Maximum Eligibility (Age) Pre-existing Conditions Coverage

TATA AIG Travel Guard Insurance

Silver Plan: $50,000
Silver Plus Plan: $100,000
Gold Plan: $2,50,000
Platinum Plan: $5,00,000
Senior Plan Plan: $50,000
Deductible for all the plans: $100
6 months to 70 years
Senior Plan Plan: 71 years to 99 years
Pre-existing Condition or any complication arising from it in a life saving unforeseen emergency condition would be reimbursed up to $1500 per policy period

Reliance Travel Insurance

Standard Plan: $50,000
Silver Plan: $100,000
Gold Plan: $250,000
Platinum Plan: $500,000
Up to 70 years Declared pre-existing medical conditions are covered in case of Life threatening situations

Religare Travel Insurance

Explore Plans: $50,000; $100,000, $300,000; $500,000

Coverage varies with the travelers age and destination he / she is traveling.
Up to 90 years Declared pre-existing medical conditions are covered in case of Life threatening situations up to 10% of Sum Insured.

Bajaj Allianz Travel Assist Card Insurance

Classic Plan: $50,000
Premium Plan: $200,000
Priviledged Plan: $500,000
Age (61-70 years) $50,000
Up to 70 years Covers for a nominal amount as per plan choosen
Classic Plan: $300
Premium Plan: $500
Priviledged Plan: $1,000
Age $300

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.
What is a Life Threatening Condition? Is Pre Existing coverage available for such a condition?
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.Read more.
I have had a knee replacement / bypass surgery? Will travel insurance cover me?
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.
I am diabetic ? Will travel insurance cover me?
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.


Does any travel insurance cover pre-existing conditions?
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 (bypass) 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.
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.


Who covers pre-existing conditions for travel insurance?
A 'Pre-Existing Illness/Condition' can be defined as one where the traveller/insured already has an ongoing medical illness/condition and is availing medical treatment when they buy a travel insurance policy. Most travel insurance plans completely 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. However, some insurance plans have a limited coverage (between $1,000 - $1,500) of medical expenses in 'Life Threatening situations' subject to terms and conditions of the policy. Medical expenses due to a Life threatening situation 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.


What does pre-existing condition mean for travel insurance?
A 'Pre-Existing Illness/Condition' can be defined as one where the traveller/insured already has an ongoing medical illness/condition and is availing medical treatment when they buy a travel insurance policy. Most travel insurance plans completely 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 (Bypass) 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.
Similarly if the traveller is a diabetic or hypertensive, then any treatment directly related to any of these conditions (as certified by the attending medical practitioner abroad) will be excluded from the coverage of the policy.


What is considered a pre-existing medical conditions?
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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