Travel Insurance

Medical Insurance Cover for People with Pre-Existing Medical Conditions: A Complete Guide

Medical Travel Insurance

People with pre-existing medical conditions often find it difficult to travel abroad. There are strict rules and regulations that travellers are required to follow when visiting any country. For instance, you will need to show all your relevant travel documentation, and also provide details about where you got insurance cover. For those with pre-existing medical conditions, it’s not easy to travel at all.

When you approach an insurance company and decide upon a medical insurance package, they will probably ask you to disclose any existing medical conditions you may have. Obviously, the insurance company will try to minimise its risk as much as possible. That’s why most companies have an eligibility criterion. In order to get a travel insurance policy, you must be a healthy individual between the ages of 16-55 and should not have any pre-existing medical conditions.

However, what about people who already have medical problems? In most cases, it’s difficult for a person with pre-existing medical conditions to purchase a conventional medical insurance policy. You will probably have to pay a massive premium if you buy a conventional insurance policy. However, most insurance companies are likely to reject your application, especially if you have a heart condition.

Travelling with a Heart Condition

For people with heart conditions, travelling is not easy at all. There’s a lot of walking and physical activity involved. Most patients with heart conditions are generally asked to rest as much as possible and not engage in any activity that puts a strain on their heart. Needless to say, this means that the risks of an attack are significantly increased while travelling.

It’s difficult to know when a patient might suffer a heart attack. Therefore, most insurance companies generally avoid offering insurance policies to people with pre-existing conditions. In case a tourist suffers a heart attack in a foreign country, the insurance company will be liable to bear the costs of transportation to the hospital, treatment and any surgeries that may be involved. In fact, the insurance company will also be responsible for the costs of bringing the patient back to their homeland.

Due to the increased risk involved, most companies generally avoid offering medical insurance policies to people with pre-existing medical conditions. However, there are several insurance companies that exclusively offer tailored products designed for those with existing heart conditions.

It’s important to note that you can’t hide your condition from the doctors. Most insurance companies will ask you to go for a private check-up at a doctor recommended by them. An independent medical evaluation report will be created. After assessing your medical condition and health properly, the company will decide whether medical cover should be granted.

What Are Your Options?

Whether you have an irregular heartbeat or any other heart-related problem, there are independent insurance companies that you can approach. The company will design a dedicated insurance product exclusively for you. Websites such as Medical Travel Compared offer plenty of different options to their users.

You can visit the website and follow a simple, step-wise process in order to find the best insurance policy depending upon your requirements. However, according to Medical Travel Compared, it’s far easier to get cover once your surgery is complete. If you have to undergo surgery in order to treat a heart-related condition, it’s always wise to apply for insurance after the surgery is complete. That’s because surgeries minimise the risk involved. As a result, more companies are willing to offer insurance policies to customers who have gotten treatment for their heart-related problem.

How to Apply

If you are looking to apply for an insurance policy for your heart-related problem, the best option is to begin with a comparison website that exclusively caters to people with medical conditions, such as the one mentioned above. You will be asked to create an account and then list all your medical conditions.

Once that is done, the next step is to browse through all the different types of insurance policies that you can choose from. Some policies are designed to offer basic medical cover, while others are more comprehensive and designed to cover all the medical expenditure that may arise. Selecting the right medical insurance policy is very important. Most countries have specific requirements about the minimum amount of cover that you must have before entering the country, so make sure you check the requirements before applying for any policy.

Because the whole process is completed online, you will need to pass a detailed medical screening online. Even though you may have disclosed your medical conditions already, the online medical screening is generally designed to make it easy for the company to understand the severity of your condition. This is important, because it determines the premium calculated by the insurance firm.

In some cases, the insurance company might even ask you to visit a private doctor for a check-up. Once all the formalities are completed, you will be asked to choose from several different insurance policies from many of the leading insurers in the United Kingdom.

Online comparison websites that cater exclusively to people with medical conditions have made it easy for more people to travel abroad without having to worry too much about buying a decent insurance policy. You can choose from a single trip or a multi-trip insurance policy, depending upon the frequency of your trips to another country. Multi-trip insurance policies are generally designed to offer cover over a specific duration of time, such as a year or six months. You can make as many trips as you like during this period, and the insurance company cannot change the terms of the insurance. Make sure you browse your options carefully before making a decision.


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