Throughout life a few things are inevitable no matter how much you try to avoid them, and even while traveling two things you can’t avoid are illness and injury.
Since you can’t avoid getting sick or injured, one of the best ways to prepare yourself before it happens and those conditions become pre-existing conditions is to purchase international health insurance.
If you’re wondering what is a pre-existing condition or why do I need a plan before something becomes one, here is a bit of insight:
A pre-existing condition is typically any injury or illness which prior to the start of the insurance plan manifested itself, exhibited symptoms, or required medical treatment or medication, or for which a physician was consulted. The exact definition will vary from plan to plan, but the key idea remains the same.
Here’s an example that may help answer what is a pre-existing condition and how it’s related to international health insurance:
While moving, Erin sprains her ankle and needs to seek medical treatment. She visits the doctor who suggests that she visit a physical therapist to make sure it heals as it should. With the move, Erin had been putting off purchasing a new health insurance plan and is currently uninsured.
She decides to quickly purchase a plan to cover her therapy visits- until she does a bit of research on pre-existing conditions. What Erin discovers is that since she has already injured her ankle and needs treatment, it’s now considered a pre-existing condition and if pre-existing conditions are covered on an international health insurance plan there is typically a waiting period for them to be covered.
Although the plan she picks won’t cover her already injured ankle, Erin decides to buy it to make sure that her future injuries or illnesses will be covered.
Pre-existing conditions can come in all shapes and sizes, some are minor yet need immediate attention like Erin’s sprained ankle while others can be more life-threatening yet can be kept under control with consistent maintenance, such as with a heart condition. Each plan will also vary when it comes to what type of coverage they offer for pre-existing conditions. It may exclude these conditions all together, have a waiting period before they will be covered, or it might only cover the acute onset of a pre-existing condition. Keep in mind that if you have a pre-existing condition and are applying for a international medical plan your condition will be reviewed on an individual basis.