For the most part, pre-existing conditions are characterized as any affliction, harm or therapeutic condition for which you have consulted a doctor, has manifestations, has been hospitalized or was endorsed medications within a specific period before the efffective date of coverage. Every insurance agency treats pre-existing conditions contrastingly and this is a noteworthy explanation behind declined medical cases. The look back period may change from 3 months to an 1 year. It would be ideal if you read the Exclusion & Limitations segment in the policy wording booklet for correct definition.
There are visitor’s protection plans in which coverage for stable pre-existing conditions is conceivable. If you purchase a policy that deosnt cover the pre-existing conditions, then the insured is not protected for new issues directly or indirectly related to that health condition.
Some insurance companies cover individuals if their medical conditions are under control and stable for certain period (3month to 1 year) before travel. Know that a basic change in medication can imply that the medicinal condition is not viewed as “stable”. Policy definitions are basic and the guidelines based upon the age of the policy holder. It is up to every policy holder to ensure they qualify. Some insurance companies can provide for individuals with pre-existing therapeutic conditions.
The policies that incorporate pre-existing conditions don’t repay costs to keep up the condition; which simply means if someone has Hypertsnion, Diabetes, Asthma and thyroid etc. as a pre existing condition then the maintenance medicines for the same have to be brought from country of origin. However any complexities that require medical consideration or hospitalization from that pre-existing condition are protected.
Be straightforward and reveal everything for your pre-existing medical condition to your broker. In the event that you have a claim the insurance company will probably check your medical history before they make any decision on claim approval.
Some regular misconceptions about travel protection and pre-existing conditions
It is a typical misconception that if a specialist affirms a patient’s travel plans the patient will be protected under a travel protection policy. Shockingly, a doctor’s endorsement to travel does not really mean coverage for a pre existing medical condition under the terms and conditions of an Insurance policy.
Change in accordance with Medication
Another normal misconception is that when a person`s health has imrpoved, they will be protected under a travel protection policy. This may not be the situation. For instance, if a doctor decreases the dosage of a prescribed medication, the condition related with that medical condition is not considred stable anymore. Along these lines coverage for that condition won’t be accessible. Changes in dose incorporate a decrease, increase, the prescription of another medication, and even suspension of a medication.
Have an intensive and genuine discussion with your broker in regards to your medical history before you buy emergency medical travel protection.
The below mentioned are some general Super Visa and Visitors to Canada information from the CIC:
General Information on Visiting Canada – http://www.cic.gc.ca/english/visit/supervisa.asp
Super Visa information – http://www.thesupervisa.com/
You can contact Munish mehan as he plan Super Visa for people who better understands the value of inviting their parent.
If you need any assistance, please be in touch with us. www.Thesupervisa.com, 587 718 8001