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What Medical Conditions Affect Travel Insurance?

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Published on June 17, 2021. EST READ TIME: 3 minutes

Introduction

Individuals may choose to travel for a wide number of reasons ranging from business and education to pleasure and meeting family ties. Although these trips can be adventure-packed and much-awaited, it is possible for one to run into trouble and get involved in an accident or lose their possessions. By seeking out the financial coverage provided by travel insurance and being aware of what it entails and covers, individuals can travel with more confidence and ease.

What is Travel Insurance?

Travel insurance provides those who purchase it with coverage for the costs and losses that can be incurred during travel. Travel insurance provides insured travelers with coverage for canceled or interrupted trips as well as coverage for baggage and personal effects. Some amount of medical coverage is provided as well in addition to accidental death or accidents associated with the flight taken. By purchasing travel insurance, policyholders ordinarily gain access to round-the-clock emergency services which include providing a replacement passport in the event that it is lost, and rebooking canceled flights. Moreover, help can be provided to wire cash if needed. Policyholders can opt for travel insurance for domestic as well as international travel. Furthermore, they can seek to purchase travel insurance solely for themselves or have their families included in their plan as well.

What Medical Conditions Affect Travel Insurance?

Medical conditions affect travel insurance and are ordinarily classified as pre-existing medical conditions. They include ailments, diseases and / or health risks that pose the risk of causing medical emergencies in the future. Some of the more prominent medical conditions have been examined below.

• Terminal diseases including but not limited to Cancer, HIV, AIDS are included under this category.

• Those who have recently undergone an organ transplant or surgery.

• Medical issues that can require hospitalization or surgery in the near future.

• Medical conditions that require frequent visits to a medical specialist are included.

Those seeking to avail of travel insurance must understand the medical conditions that might affect their policy. Pre-existing medical conditions can exist in a wide variety of forms which one may or may not be aware of and for which one may have or may plan to get a curative procedure to deal with it. Insurance providers will take into account this information and then comprehend the risks associated with a potential policyholders’ medical nature that might be escalated when they travel which can raise both, medical costs incurred as well as discomfort caused to said individuals and their traveling companions.

Informing Travel Insurance Providers of Medical Conditions

It is important to provide travel insurance providers with information pertaining to any and all medical conditions that might plague you. Insurance issuers too will comb through your medical history especially that which pertains to the previous 2 to 3 months.

To conclude

- Add-ons can be added to existing travel insurance policies such that more extensive coverage is provided.

- Those who aren’t medically fit to travel should try to abstain from endeavoring to travel until they are medically fit to do so.

- Senior citizens seeking to travel should avail of travel insurance policies that cater to their age group in particular such that their needs are met with more efficiency.

Disclaimer:  The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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