Travel Insurance covering pre-existing conditions - Forum

TATA AIG Travel Insurance for 84 years traveler
Question
Dear Insurance desk,
I would like to buy health insurance for my grandmother. She is 84, travelling to the US for 3 months. She is in good health but had a stent put in her heart two years ago. Does TATA AIG has cover for this?

Thanks,
Deuvy

Answer
Dear Sir,
Thank you for contacting NRIOL for your travel medical insurance. TATA AIG covers pre-existing conditions up to $1,500 in case of life threatening only. The plan for $50,000 cover will cost Rs.48,253/- for the three month period.
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You can get free quotes and buy the policy online at
TATA AIG Travel Insurance

Thank you,
NRIOL Customer support.
080-4110 1026
Travel Insurance for diabetic patient
Question
Dear NRIOL insurance desk,
My father is a diabetic patient and is in good health now and he is taking insulin as a supplement for diabetes. He is visiting Australia for couple of months. I want to buy travel insurance for him which covers for diabetes. Please suggest?

Thanks
Ramnath

Answer
Dear Mr. Ramnath,
Thank you for choosing NRIOL for your travel insurance requirements. As per your email, your father is diabetic patient and he is insulin dependent, in this case there are couple of companies which cover insulin dependent only in case of life threatening situations. Thank you,
NRIOL Customer support.
080-4110 1026
Ailment treated as Pre-existing Condition or not
Question
Dear NRIOL team,
I was suffering from high Blood Pressure 3 years back and now I am fit and fine. As per doctors advice I have discontinued my regular medicines since 1 year. I am traveling overseas and I want to buy insurance for 30 days. Will you treat my ailment as pre-existing or not. Please clarify?

Thanks,
Monu

Answer
Dear Sir,
Thank you for contacting us for your travel insurance requirements. With reference to your email, you can just go ahead and buy any company policy you like. When a medical claim arises, the insurance company goes by the doctors report who has examined you in overseas. In his report if the doctor mentions the present medical condition is due to complication due to your high BP which you were suffering from couple of years ago, then the company will treat this as pre-existing condition as per agreed terms and conditions for pre-existing condition.

You can get free quotes and buy the insurance online at
Travel Insurance Policies

Thank you,
NRIOL Customer support.
080-4110 1026
Insurance coverage for cancer and chemo-therapy
Question
Dear NRIOL insurance desk,
My wife has diagnosed with cancer and she has go for chemo therapy on a regular basis. She is traveling to US. Give me the best plan which covers this pre-existing condition?

Thanks,
Ajay

Answer
Dear Mr. Ajay,
Thank you for contacting NRIOL for your travel medical insurance. We are sorry to hear about your wife diagnosis. Unfortunately we regret to inform you that none of the insurance companies cover a regular follow up for treatments related to pre-existing diseases. However there are couple of companies like trawelltag's Trawelltag Cover-More and Religare insurance which cover complications related to cancer in case of life threatening situation only. Thank you,
NRIOL Customer support.
080-4110 1026
Travel Insurance for Senior citizen with pre-existing conditions visiting Singapore
Question
Dear NRIOL insurance team,
I wanted to enquire about travel insurance for my 74year old mother who is healthy but has diabetes hypertension and cholesterol problems all under control. She will visit me at regular intervals to Singapore and I want a travel insurance covering pre-existing condition.

Thanks,
Dr. Bharathi

Answer
Hello Dr. Bharathi,
Thank you for your email. Regarding your email query, as your mother is suffering from diabetes, hypertension and cholesterol problems there are couple of companies which offer insurance cover for her in case of life threatening only. Thank you,
NRIOL Customer support.
080-4110 1026
Coverage for traveler with heart problem 6 months back
Question
Dear NRIOL team,
I am 66 years old, had heart problem about 6 months back treated successfully. Now I plan to travel to USA on 17th of this month for 180 days. Also my wife born in 1958 will accompany me to USA. Please inform whether you will be issuing the policy to me and also the premium for both the persons.

Thanks,
B Rao

Answer
Dear Sir,
Thank you for contacting NRIOL for your overseas travel medical insurance requirements. There are few companies which offer cover for pre-existing medical condition in case of life threatening only. As you have heart related pre-existing condition, there are two companies which gives insurance cover:
  • Religare travel insurance offers coverage for pre-existing disease up to 10% of sum insured.

    You can get free quotes and buy the Religare travel medical insurance policy online.

  • Trawelltag's Trawelltag Cover-More insurance covers 15% to 20% of sum insured depending on the plan chosen.

    You can get free quotes and buy the Trawell tag's Trawelltag Cover-More travel medical insurance policy online
For your wife who is 1958 born there are many reputed companies which offer insurance cover for her. You can get free quotes and buy Travel Insurance policy online.

Thank you,
NRIOL Customer support.
080-4110 1026
Travel Insurance for parents with pre-existing conditions
Question
Dear NRIOL Customer support,
I want to take a travel insurance for my parents aged 70 yrs and 64 yrs. They will be travelling to Canada for 2 months. Mother is healthy with no ailments, father has undergone a heart bypass surgery > 10 yrs. back, he is fine on regular medication. Can I get a travel insurance for both of them and which will be a good policy

Thank you,
Bhyana

Answer
Dear Bhyana,
As your father is having pre-existing condition related to heart, there is one insurance company Cholamandalam which covers pre-existing conditions in case of life threatening situations only. Lifesaving unforeseen emergency measures, provided to the Insured by the Physician for Disease/accident arising out of a pre-existing condition. The treatment for these emergency measures would be paid till the Insured becomes medically stable. All further costs to maintain medically stable state to prevent the onset of ailment would have to be borne by the insured.

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Thank you,
NRIOL Customer support.
080-4110 1026
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