Visitor Insurance for Parents with Pre-Existing Conditions
Visitor Insurance for Parents with Pre-Existing Conditions

Visitor Insurance for Parents With Pre-Existing Conditions-image

A medical condition (injury, sickness, disorder, ailment or any mental condition) which has been treated or not, diagnosed or not, known to the insured person or not, and that existed before the coverage of any health insurance plan begins, is a pre-existing condition. Diabetes, Blood Pressure, Heart problems, Pregnancy, Asthma, Acne, Alzheimer etc. are some of the examples of pre-existing conditions. These medical conditions are pre-existing because they do not appear overnight after purchase of any health insurance. Some companies have a look back period ranging from past 6 months upto five years. The occurrence of pre-existing conditions often brings lot of mental trauma for parents visiting their families in a foreign country. Therefore, it is of critical importance to have a visitor insurance plan that offers coverage for acute onset of pre-existing conditions.

Visitors Health Insurance and Acute Onset of Pre-existing Conditions Coverage

An Acute Onset of a Pre-existing Condition is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Not all visitor health insurance plans covers acute onset of pre-existing conditions. Some of the plans providing limited coverage, are Atlas America, Liaison Continent, Patriot America, Inbound USA and few other plans. These plans provide comprehensive/limited coverage and have different maximum coverage amounts (based on the age of the visiting parent/traveler).

A visitor health insurance plan that provides coverage for acute onset of pre-existing conditions generally provides for:

  • emergency care for a serious or life-threatening situation requiring immediate medical attention (according to plan coverage)
  • emergency medical evacuation
  • surgery
  • medication
  • expenses for emergency room accommodation/ICU in the hospital

It should be noted that this coverage may change from time to time. For coverage at the time of the purchase of the plan, please contact us or visit our website.

Usually what is not covered is the occurrence of a condition that falls under routine or general preventive care. Some examples:

  • Health consultation
  • Routine medical checkups/physical exams
  • Refill of prescriptions for a pre-existing condition
  • Preventative care measures (flu-shot etc.)
  • Maternity related expenses

How are claims regarding acute onset of pre-existing conditions handled?

When a visitor possessing a visitors health insurance submits a claim regarding the acute onset of pre-existing conditions, there are three factors insurance companies relies on to determine if the medical condition was a pre-existing one:

  1. Doctor’s Diagnosis: During the visit to the doctor, based on the answers provided by the patient to the doctor’s health specific questions, doctors are able to determine if the health condition has recurred suddenly or if it’s an entirely new condition needing medical treatment.
  2. Lab Test results: Based on the diagnostic results from lab tests, the doctors share their opinion with the insurance company.
  3. Medical History: The patient submits information about his health history, the medication he has been taking, any allergies and any other relevant medical information in a medical history form. This helps the doctor to correctly diagnose his condition and also aids in determining if the condition is a pre-existing one or not.

Based on these reports by the doctor, insurance companies are able to determine whether a visitor health insurance claim concerns the acute onset of a pre-existing condition or not. This decides the claim process and time taken in handling the claim.

How can MultiChoice Insurance Services help you?

Right from choosing the best plan for your traveling parent with a pre-existing condition to getting various products’ details, MultiChoice Insurance Services (MCIS) can provide you with timely and correct guidance. We at MCIS understand managing the acute onset of pre-existing conditions can be very difficult, hence it is of utmost importance to select the best possible visitor insurance plan that would provide financial relief and a peaceful stay in the United States. Do not hesitate to contact us today. We are just an email/phone call away.

Category: Visitor Insurance

May 05, 2015 at 01:49 AM

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