You do not have to rent an arrest of existing disease on the road. Many people with such a situation are still able to get travel insurance. But you must know how to lose by a travel insurance policy is right, or you might end your insurance premiums.
This article contains useful tips on how to minimize the risk of losing your travel insurance, just because you do not knowput his condition at the time of the acquisition open.
First you need to understand what having a pre-existing disease. If you have an illness or injury that is going to have, within a certain period of time before applying for travel insurance, you need a pre-existing disease. The period varies from insurer to insurer, and may vary from months to years for various conditions for themselves, so you need to do some work.
AnyThe disease is to explain, when applying for insurance cancellation of the trip. Read the pre-existing disease exclusion of insurance carefully. The exceptions are for the most common medical problems such as asthma, diabetes, cardiovascular problems (including hypertension), cerebrovascular (stroke and cerebral hemorrhage) and cancer.
If you travel with your family, to ensure that every member of the family is insured. The existing medicalConditions for each family insured must be disclosed separately.
Be sure to explain your claim form, if
You are on medications for cholesterol, diabetes and high blood pressure
You are in the reference period for any medical complications, regardless of whether a treatment or drug was started or not
Have recently test and have the green light
Were involved in an accident during the last twelve months
SufferedInjuries in the past year
Pregnant women should be aware that most travel insurance plans do not cover accidents in the last weeks of pregnancy and immediately after birth.
Application forms online for travel insurance is not sufficient to provide a complete list of questions. If you are unsure if you need to explain a disease, call or check the insurer, e-mail. If you are for your insurer, you will cryWrite the names of the officers who dealt with your request. Each written response, the insurer must be filed, if you need further reference was made.
If you have a medical condition, faces full of drug that had controlled without the need for further treatment as long as there is no need to secure additional coverage. Simply take your doctor write a letter to his contact information to confirm it. This allows your insurer to get in touchwith your doctor if you need more information. This could avoid unnecessary exclusion and saves a significant portion of the premium.
Buy travel insurance directly from the insurance company, not from your travel agent. If the tour operator goes under, then its policy. Make sure that you are medically fit to travel.
Finally, remember your trip at least three or four weeks before yourTrip. This gives you enough time to eliminate all the doubts that you may have regarding the pre-existing condition and the necessary documentation in support of your doctor.
If you buy travel insurance for pre-existing disease, is likely to face one of these three results:
1) the insurance covers your application in full, but a significantly higher premium
2) The insurance ismake your trip without coverage by the current health
Back 3) the insurance company, your application
Unless the insurance completely from your application, it is best to ensure that if you travel insurance, even if the insurance is not excluded pre-existing disease or additional premium is required.
This is because the medical costs could easily spiral caused more than ten thousand or even moreHundreds of thousands of dollars, depending on the situation. Payment of insurance premium will have a deserved rest, when you're away.
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