How does Insurance for Visitors determine Pre-Existing Conditions?
Insurance for Visitors, or travel medical insurance plans, often do not provide pre-existing conditions coverage for visitors to USA. Only INF provides true pre-existing coverage for visitors to USA. Although Insurance for Visitors companies differ on the exact definition on what a pre-existing condition is, it generally follows this description:
A pre-existing condition is any existing medical condition (be it an injury, illness, physical handicap, disorder, ailment, or otherwise which existing prior to the date of the application for the visitors inraplnce policy. Most Insurance for Visitors plans have a look back period to determine whether a pre-existing condition will be covered or not. Please find the look back periods for several Insurance for Visitors plans:
This means if your visitor had knee pain 1 year ago, and it's reaggrevated during their visit to USA- this is not a covered expense. This means if your visitor had a heart attack 2 years back and he suffers another heart attack during his stay- you are not covered by these plans. Only INF provides visitor health insurance for pre-existing conditions which will actually cover in case anything happens to your visitor:
This question now is: how do I know my visitor medical insurance will cover my visitors pre-existing conditions? Visitors health insurance is typically designed to only cover new accidents, sicknesses, and "acute onset pf pre existing conditions." For most plans- acute onset of pre-existing conditions is vague enough where it allows the insurance company to deny the claim. Most travel medical insurance plans typically pay out only 5-10% of total premiums in claims- and keep the rest as profit. All at the expense of unsuspecting loved ones who only want to protect their visitors health.
INF plans pay claims for all pre-existing conditions. Insurance for Visitors that covers pre-existing conditions does exist- and it's covered by INF. Only INF offers visitor health insurance which covers pre-existing conditions. Now- there are three key pieces of information used to determine pre-existing conditiosn, which we will go through below:
How are Pre-Existing Conditions determined by visitors health insurance?
1. Patient History Form
When a patient is admitted to a health care provider, they are required to fill out a Patient History Form. In this form, patients are asked about the medical history. This includes any medication taken, any past medical issues, surgeries, or illnesses which may have has a long term impact on health.
We advise to be completely honest on this form. It is important for the doctor to have all the information they need to make a proper diagnosis and help your visitor get back to a healthy condition. Fradulant statements on a patient history form can result in civil and criminal penalties for the insured.
2. Lab Results & Diagnosis
A Doctor may order lab tests to determine if there are any signs of pre-existing conditions. These tests include blood tests to check for cholesterol & blood sugar level. After the lab comes back with results, the Doctor can determine if levels in your blood are associated with pre-existing conditions.
The diagnosis is placed in a Doctor's notes, which are shared with the insurance company. This information will be used to determine if pre-existing coverage is necessecery when paying a claim.
3. Doctors Opinion
During an initial doctors visit, a physician could ask questions about your visitors health history to properly diagnose any current medical issue. Knowing a patients medical history helps a doctor make an informed diagnosis & determine if a pre-existing condition was the cause of the current medical issue.
Nevertheless, we always recommend getting a second opinion for more serious medical conditions, such as cancer or heart disease issues.