You may never know what is going to happen in the next few minutes. Similarly, when you ready for a month long trip to your favorite location, and suddenly you get diagnosed with lung cancer, your world will fall apart. Moreover, when everything is booked, but you need to go for an immediate surgery, you can go under depression. However, if you have already taken out travel insurance which is effective from the date of the booking, you won’t be facing any financial loss. Having holiday insurance with pre existing medical conditions can be tricky.
It is important to ensure that all the conditions of the insurance have been met. Moreover, if all conditions are not declared then your claim will be rejected. It is vital to have medical condition and declare the same to travel insurance company. Make sure you don’t risk your assessment which will lead to the loss of money.
However, you need to check upon certain things that can be omitted by the company. Some travel insurance companies exclude all claims related to pre-existing medical conditions. Some insurers cover pre-existing condition without any kind of additional premium. There are travel insurance companies may have a medical screening system, usually carried over the telephone or online. During the session, series of questions are being raised to assess the risk and determine whether insurance can be issued. Once done, you can either go for to pay additional premium or don’t pay any relating to the risk.
You may go through multiple health problems and can cause problems while you apply for travel insurance. So never neglect to disclose something as common as high cholesterol thinking that it is insignificant. You can also get in touch with professional to know about Holiday Insurance with Pre Existing Medical Conditions and also about a quotation for travel insurance for virtually any kind of medical condition.
The main reason why you need to declare medical condition is to avoid potentially enormous financial risk. There are types of insurance, which are not included in travel insurance. Some insurance companies may refuse to insure those with pre-existing conditions involving cancer, serious kidney problems. Some insurance companies also do not cover for suicide or suicide attempts.
While applying for the holiday insurance make sure to read and understand the terms and conditions. There might be clauses stating that you should never travel against the advice of a medical practitioner. The same goes for the surgery or procedures, or awaiting the results of medical tests.
During medical screening, you may come under specific question including the hospital inpatient and about any other medical condition. Also whether you ever suffered from, been diagnosed with, or treated for cancer. It may happen that in the sake of obtaining travel insurance, you may not disclose health condition.
You might get away with it if there are no problems and you may not find any reason to claim. If you are looking for any assistance towards holiday insurance with pre existing medical conditions and get the medical condition, you can check out with the company that offers such travel insurance.
However, it is important to know about the company what claims are covered under holiday insurance. You can get review about the same to know more about the same. You can visit the official website to gather information about the claim covering for travel. This will certainly help you to know more about the same.
Right claim that cover every travelling medical condition will help you to bear the loss if you come across.