Travel Insurance

Everything you need to know about travel insurance and pre-existing medical conditions

Travel insurance is intended to cover you for any mishaps and accidents that may occur whilst you are on holiday. It should cover your luggage, reimburse you for cancelled flights, and cover any unexpected medical expenses. If you have a pre-existing medical condition, however, it is crucial that you find the best travel insurance with medical conditions for you.

What is considered a pre-existing condition?

Insurance defines pre-existing conditions as illnesses or injuries that you had before taking out the policy. This includes both physical and non-physical conditions, including but not limited to, cancer, epilepsy, diabetes, anxiety, and depression.

Pregnancy is not usually considered a pre-existing condition, and your insurance should cover you for any medical emergencies related to the pregnancy. There are also some restrictions about how late into the pregnancy you can travel, so always check with the insurer to make sure that you are covered.

How much are insurance premiums?

Medical costs are the most expensive type of claim made against travel insurance, and as a result, insurance for people with an existing condition tend to be higher. The effect on the premium will depend on your condition. Unfortunately, some insurers may not cover certain conditions at all, however, there are specialist insurers that will be able to help you out.

Do I need a medical examination?

Some insurers may insist on a medical examination to get cover, and others may simply ask you several in-depth questions about your condition. Whilst these are invasive questions that can be uncomfortable to answer, they are necessary to enable the insurance company to tailor the cover to your needs.

Why should I declare a medical condition?

It is crucial that you declare any pre-existing medical conditions on your policy. If you don’t declare the condition and then go on to make a claim related to this condition, your claim may be rejected, forcing you to cover the costs yourself.

Travel insurance is a critical investment for anyone, but especially for individuals with pre-existing medical conditions. At Compare Insurance, we can help you to compare travel insurance policies from a range of providers. Simply use our search engine to find and compare the best options for you.

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Health Insurance

5 common exclusions in health insurance policies

Travel and health insurance provide a protective net during medical emergencies by reducing the financial burden associated with hospital bills. However, many of us make the mistake of assuming that buying a health cover is sufficient and forget to read the fine print of the policy, which talks about coverage, waiting periods, exclusions and other important aspects. Today’s blog will be looking at the most common exclusions in health insurance policies.

Cosmetic surgery

Health insurance policies do not cover cosmetic procedures done to enhance your appearance. In some cases, however, the insurance company can cover cosmetic procedures for reconstructive surgery after an accident or injury when a registered medical practitioner suggests it.

Pre-existing conditions

A pre-existing condition is an illness or medical condition that occurs six months prior to buying health insurance coverage. They tend to be long-term and chronic diseases such as diabetes, cancer, asthma, sleep apnea, depression, etc. Although in the UAE, all health insurance companies are required by law to provide patients with pre-existing conditions with cover, chronic illnesses will most likely be excluded or limited from your plan.

Pregnancy and maternity care

Most general health insurance policies do not cover pregnancy and related treatments. That said, pregnancy and maternity coverage vary significantly between plans. In some cases, the delivery could be covered, but the pre-natal and post-natal are excluded, so confirm with your insurance provider about coverage. If pregnancy and maternity care are excluded from your plan, you can always buy a separate maternity insurance cover.

Alternative and experimental treatments

Your health insurance only covers you for well-established treatments that have undergone necessary clinical trials and experiments and are proven effective. If you wish to participate in clinical trials and other experimental treatments, you will have to cater for those costs on your own. Alternative treatments such as acupuncture, acupressure, homoeopathy, massage are also excluded from most health insurance plans.

Dental and vision

Treatments related to eyes, ears, teeth are excluded from most health insurance covers. As an alternative, insurance companies sell plans specifically for dental and vision or offer additional riders to your existing plan.

To compare the best health insurance policies, please check out our website or contact us today for more information.

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