Understanding Pre-existing Conditions and International Health Insurance


Understanding Pre-existing Conditions and International Health Insurance

A pre-existing condition is a medical condition that existed before you applied for health insurance. In the United States, the Affordable Care Act (ACA) prohibits health insurance companies from denying coverage or charging higher premiums to people with pre-existing conditions. However, this does not apply to international health insurance.

When you apply for international health insurance, the insurance company will ask you about your medical history. 

If you have any pre-existing conditions, the insurance company may:

  • Deny you coverage altogether
  • Charge you a higher premium
  • Exclude coverage for your pre-existing conditions
  • Require you to wait a certain period of time before your pre-existing conditions are covered

The specific terms and conditions of your international health insurance policy will vary depending on the insurance company and the type of policy you purchase. It is important to read the policy carefully before you sign up to understand what is and is not covered.

If you have a pre-existing condition, there are a few things you can do to make sure you are adequately covered when you travel internationally:

  • Purchase a comprehensive international health insurance policy that specifically covers pre-existing conditions.
  • Consider purchasing travel insurance in addition to your international health insurance. Travel insurance typically covers medical expenses incurred while traveling, but it may not cover pre-existing conditions.
  • Make sure you have a copy of your medical records with you when you travel. This will help you get the care you need if you become ill or injured while traveling.

It is also important to note that the cost of healthcare can vary significantly from country to country. If you have a pre-existing condition, it is important to factor in the cost of healthcare when planning your travel.

Here are some additional tips for travelers with pre-existing conditions:

  • Research the healthcare system in the countries you will be visiting.
  • Make sure you know where the nearest hospitals and clinics are located.
  • Learn some basic phrases in the local language so you can communicate with healthcare providers.
  • Pack a copy of your medical records and a list of your medications.
  • Be sure to carry your insurance card with you at all times.

By taking these steps, you can help ensure that you are adequately covered and prepared for any medical emergencies that may arise while traveling.

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