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India travel insurance covering pre-existing conditions

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Overseas travel insurance for Pre Existing Conditions

Some Indian insurance plans offer limited coverage for pre-existing conditions. Pre-existing Conditions (PEC) or any complication arising from it in a life threatening unforeseen emergency condition is covered by pre-existing condition travel insurance from top rated insurance providers in India.


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Types of insurance

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Please find out the different types of pre-existing condition coverage travel insurance plans.

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Already outside India

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Travelers who have already traveled from India and do not have insurance can buy travel medical insurance.

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Insurance customers can renew their existing policy online before the exipry date at any time.

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Overseas travel insurance with pre existing medical condition - FAQ's

What is a pre-existing condition?

The pre-existing condition means any sickness / illness, which existed prior to the effective date of the insurance including whether or not the insured had knowledge that symptoms were related to the sickness / illness. Complication arising from a pre-existing condition will also be considered part of the pre-existing condition. Some examples of existing ailments could be diabetes, asthma, a heart condition, blood pressure, cancer. The coverage for a recurrence of these existing ailments is limited, please be aware of the exact coverage when you buy the policy.

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 within the policy limits 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.

The common ailments we hear from our customers are diabetes, heart related ailments, blood pressure... The insurance companies we work with offer limited coverage for pre-existing conditions under life threatening situations.

Any existing ailment that you suffer from prior to buying the insurance is termed pre-existing condition. If you have any health issue or have been visiting a physician or have undergone a test or diagnose, it is recommended to declare it before buying best travel insurance for pre existing conditions to get adequate health insurance coverage. Some plans do not ask for the pre-existing condition declaration, however they invariably do not cover pre-existing conditions, or do so under very specific conditions such as life threatening situations.

The insurance company review the documents submitted by you, the test reports, physician reports, some medical records, treatment received and medical history to declare an ailment as a pre-existing condition or not.

You must realise that all possible health issues that you may encounter while outside India will not be due to your existing ailments. travel insurance with pre-existing condition coverage cover unexpected emergencies like sudden illness, accidents, hurting yourself or falling down. In foreign countries mainly USA, Canada, Europe, Australia... health care is very expensive.
While it is great to visit these countries, being forced to visit a hospital in these countries without any travel insurance can be traumatic. Travel insurance pre existing conditions will cover you for these unforeseen situations. With India travel insurance for pre-existing conditions you can avoid paying for these large bills while overseas and secure yourself from any kind of financial crisis.

Yes some insurance companies do not cover existing ailments and some specific ailments are excluded from the coverage offered. The policy document usually has details of the exclusions.

When you want to buy travel insurance with pre existing medical conditions for insuring your trip you want to choose a provider who is best in the market. Several factors to consider before you can choose the best insurance provider. They are Company Brand - It is always better to choose a company which is well known in the insurance industry internationally.

  • Reliability - The company should be a reliable one.
  • Hassle free - Buying the best insurance for pre existing conditions should be easy and hassle free.
  • Quick Service - The service provider should be available round the clock for any emergency assistance.
  • Affordability - Of course the cost of the insurance. The plans should be available at an affordable price.
  • Claims settlement - Select a company which has the highest claims settlement ratio in the market.

There are many insurance companies which offer best travel insurance for senior citizens with pre-existing diseases. The coverage and benefits vary from one company to the other. Not all companies do cover pre existing medical travel insurance . There are only few companies willing to cover overseas travel medical insurance pre existing disease. Some companies cover pre-existing conditions under life threatening situations while some cover for a limited amount.
They have a restriction of the age for this benefit to be covered. Some of the companies even cover some of the critical illness like cancer disease, heart disease, liver disease, kidney disease, insulin dependent diabetes while these critical diseases are an exclusion of some other company.

There are many insurance companies which offer various plans at competitive prices. The price of the insurance plan varies with the age of the traveler, duration of travel, the travel destination and the medical maximum coverage. The plan which offers lower maximum coverage and fewer policy benefits will be the cheaper plan.
The customer has to review the benefits and coverage of choice so that he / she can decide on the cost of the insurance. If the travelers are traveling in groups. Then they can buy a group travel insurance which will be cheaper than the individual travel insurance.

Travel insurance works on the same principle as other insurance plans work. Travelers pay a small amount as premium to the insurance company to get insured themselves. The insurance company holds the money of all the travelers. In case of claim by a traveler. Then the insurance company pays back to the intended traveler as per the agreed terms and conditions of the policy. If it is a cashless hospitalization expenses benefit, then the insurance company pays directly to the hospital while if it is a reimbursement claim. The traveler is reimbursed accordingly.

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