Sunday, April 18, 2010
International Health and Travel Insurance That Covers Pre - Existing Conditions
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There are three options for travel insurance with pre-existing condition coverage:
Total pre-existing condition coverage. This type of travel insurance works only if you are enrolled in a primary health plan, such as an individual health plan, a group health plan or a government health plan.
A primary health plan is one that is the first payor of claims. Medicare, for example, is the first payor of claims, but Medicaid and V.A. health plans are not.
Total coverage is comprehensive for pre-existing conditions. It will pay for:
medical professional services - a visit to a doctor's office, for example
inpatient hospital services - such as surgery and x-rays medical evacuation, accidental death and dismemberment and repatriation of remain and one round trip economy fare for someone to be at your bedside in a medical emergency
Limited travel insurance coverage. Plans with limited travel insurance coverage do not require that you have a primary health plan.
These plans cover:
medical evacuation and repatriation of remains
one bedside visit benefit
a dollar amount limit for sudden recurrence of a pre-existing condition
Long-term coverage for those living and working outside the States. If you live or work outside the USA for longer periods of time, you should consider key overseas long-term plans that cover pre-existing health conditions.
However, plans vary according to when they will begin to cover you. Some plans go into effect after a six-month waiting period.
Others put waivers or riders on your policy, and will cover your pre-existing condition after a period of time, for two, three or even five years. Then some offer only limited coverage - such as $50,000 per year - once the waiver or rider has been removed.
Important questions you need to ask about your insurance Not all international travel and health insurance offer the same benefits for pre-existing conditions.
Please be aware of these significant considerations when purchasing coverage.
1. How old are you? Some policies cover you only up to 74, others up to 84 years of age.
2. How long do you want to stay overseas? Tell your insurance agent the amount of time you will be overseas.
3. What is your pre-existing condition and what is the nature of your overseas trip? If you are a sports-enthusiast who injured your leg in a surfing accident then you want to make sure you get travel insurance that will cover that pre-existing condition if you should re-injure the leg on your next surfing trip.
4. And finally, ask your agent how these different providers define pre-existing condition. This is an important question.
Good Neighbor Insurance offers comprehensive choices for international travel insurance that covers pre-existing conditions. Call us today or visit our website at http://www.gninsurance.com.
Article Source: http://EzineArticles.com/?expert=Jeffery_Gulleson
Total pre-existing condition coverage. This type of travel insurance works only if you are enrolled in a primary health plan, such as an individual health plan, a group health plan or a government health plan.
A primary health plan is one that is the first payor of claims. Medicare, for example, is the first payor of claims, but Medicaid and V.A. health plans are not.
Total coverage is comprehensive for pre-existing conditions. It will pay for:
medical professional services - a visit to a doctor's office, for example
inpatient hospital services - such as surgery and x-rays medical evacuation, accidental death and dismemberment and repatriation of remain and one round trip economy fare for someone to be at your bedside in a medical emergency
Limited travel insurance coverage. Plans with limited travel insurance coverage do not require that you have a primary health plan.
These plans cover:
medical evacuation and repatriation of remains
one bedside visit benefit
a dollar amount limit for sudden recurrence of a pre-existing condition
Long-term coverage for those living and working outside the States. If you live or work outside the USA for longer periods of time, you should consider key overseas long-term plans that cover pre-existing health conditions.
However, plans vary according to when they will begin to cover you. Some plans go into effect after a six-month waiting period.
Others put waivers or riders on your policy, and will cover your pre-existing condition after a period of time, for two, three or even five years. Then some offer only limited coverage - such as $50,000 per year - once the waiver or rider has been removed.
Important questions you need to ask about your insurance Not all international travel and health insurance offer the same benefits for pre-existing conditions.
Please be aware of these significant considerations when purchasing coverage.
1. How old are you? Some policies cover you only up to 74, others up to 84 years of age.
2. How long do you want to stay overseas? Tell your insurance agent the amount of time you will be overseas.
3. What is your pre-existing condition and what is the nature of your overseas trip? If you are a sports-enthusiast who injured your leg in a surfing accident then you want to make sure you get travel insurance that will cover that pre-existing condition if you should re-injure the leg on your next surfing trip.
4. And finally, ask your agent how these different providers define pre-existing condition. This is an important question.
Good Neighbor Insurance offers comprehensive choices for international travel insurance that covers pre-existing conditions. Call us today or visit our website at http://www.gninsurance.com.
Article Source: http://EzineArticles.com/?expert=Jeffery_Gulleson
Labels: conditions health, health, health conditions, health international, insurance, international, international health, international health conditions, travel, travel insurance
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