Let’s first examine why it has become essential to insure your trip. Getting the right travel insurance plan for your trip is not only a way to secure your journey, but it is also a requirement put forth by several countries for incoming tourists. While you must have travel health insurance before you can enter some countries legally, there are other places where the cost of living is so high that having an insurance plan to support you through any unexpected events during your journey is a suitable option. Emergency medical costs, flight cancellation, personal injury, personal liability, lost passports, and lost baggage are some of the most frequently used coverage benefits.
Why Disclose Your Medical Background When Purchasing Insurance?
Many Indian travel insurance companies view people between 18 and 45 as less risky customers. Some insurers may demand a health examination after issuing a policy. This is different, though, if there are any health issues. A pre-existing health condition is one that an individual has or has recently had and is currently experiencing symptoms of.
Another thing to remember is that while most travel insurance with medical cover policies may not cover underlying medical conditions, they may provide coverage in the event of a life-threatening emergency while the insured is travelling. It is best to check the inclusions and exclusions of your travel plan when buying one.*
Pre-Existing Diseases: What Are They?
An illness for which a person has already received a diagnosis is referred to as pre-existing disease.It could be a single condition or multiple ailments that a person is living with. While it may be possible to get travel insurance with medical conditions that are considered pre-existing, it may not be possible to get coverage for these conditions. Pre-existing conditions are generally not covered by insurers. The likelihood of your claim being denied is relatively high if you fail to disclose any pre-existing health issues when purchasing your travel insurance policy.*
Advantages Of Disclosure Of Medical History
Considering the possibilities, it may not serve in the best interests of the policyholder to conceal any information from their insurance provider. Instead, disclosing your pre-existing conditions helps you better understand the scope of your policy and how it may help you during your trip.*
If you’re still unsure about why you should be transparent regarding your medical condition, consider these advantages:
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Options For Add-Ons
First and foremost, by disclosing your underlying medical condition, you can avoid the hassle of searching through numerous plans that don’t fit your needs. You can filter out insurers that don’t cover pre-existing conditions to read about policies that provide the best benefits for you.*
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Assured Coverage
Once you’ve disclosed any pre-existing medical conditions, you can unwind and take it easy, knowing that if they develop while you’re on vacation, your insurance will cover the costs.* Claims are subject to terms and conditions set forth under the travel insurance policy.
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Economical
You may have to pay a high premium if you disclose any existing medical conditions to be covered during your trip. This is a minimal price for your financial and medical security, though.*
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No False Promises
You won’t feel let down if you can’t get coverage for a particular disease or if your insurer restricts your pre-existing medical conditions. You’ll stay informed and manage your medical expenses abroad appropriately if you know the precise coverage your policy provides.*
A travel insurance premium calculator is a convenient tool you can utilise online to check the coverage needed based on your requirements.
*Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
