Holiday Insurance with Medical Conditions

Buying holiday insurance with medical conditions may prove to be expensive as a greater risk is involved in insuring you. Under such circumstances, most of the travel insurance providers charge higher premium from the customers. In most of the cases, travel insurance with medical conditions offers comprehensive and full coverage for heart ailment, cancer, epilepsy, and diabetes.

Earlier, a travel insurance provider would avoid selling you this product if you had pre-existing medical conditions. However, it is no longer a cause of concern these days. This is because you will undoubtedly get coverage if you are already suffering from an ailment. Pre-existing medical condition usually refers to an illness or an injury that you were suffering from at the time of buying the policy.

Lack of understanding leads to inadequate coverage

Market survey and studies suggest that in majority of the cases, individuals tend to lie to their insurance provider about their existing health condition. Most of the people fail to understand that dishonesty and non disclosure of accurate medical history may force you to shell out more than what you actually would have had to if you declared your ailments.

Most of the holiday insurance providers prepare a questionnaire and treat insurance cases individually. Depending on the condition of the prospective insurance policy holder, the premium rate is determined.

While people without pre-existing medical condition can buy holiday insurance policies online but it is not always convenient for the ones who have a pre-existing condition. This is because it is better to talk to the insurance provider in person, answer queries about symptoms and associated problems, and then settle for holiday insurance with medical condition.

If you suffer from diabetes, you can also include in the policy expenses related to an attendant (can be a relative, a friend, or a family member) who is accompanying you on the journey if you are planning to buy travel insurance with diabetes.

As far as holiday insurance for people suffering from cancer is concerned, most of the travel insurance providers charge high premium from policyholders. There is another criterion for selling travel insurance to an individual who is suffering from cancer. The insurance provider will ask for a certificate from the doctor where it should be stated that the individual opting for the travel insurance is fit to undertake a journey at the time of buying the insurance policy.

Irrespective of the medical condition you are suffering from an important aspect you ought to keep in mind is that the more risky you are to deal with, higher will be your premium.

Interestingly, pregnancy is not treated as a pre-existing medical condition. However, travel insurance usually does not offer coverage for pregnant ladies who are in their advanced stages of pregnancy.

If you are in your first trimester of pregnancy or final trimester of pregnancy, insurance providers usually avoid selling travel insurance to pregnant ladies. The best period to buy travel insurance is when you are in your second trimester of pregnancy. In order to buy holiday insurance with medical condition, you can check out the following insurance providers –

World First
Flexicover Direct
All Clear Travel Insurance
Insureand Go

Latest Updated on 30/12/2010