MANAGING YOUR INSURANCE - FIRST SIX MONTHS : HEALTH CONDITIONS UNCOVERED

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HEALTH CONDITIONS NOT COVERED IN FIRST SIX MONTHS

Most international health insurance companies exclude coverage during the first six months for some conditions that may not be defined as “true” pre-existing conditions. For example, the Special Illness Exclusion statement on one insurance company reads:

”The following conditions which manifest themselves within the first 180 days of coverage are excluded: Any condition of the breast, prostate, the reproductive system, tonsils, adenoids, hemorrhoids, hernia, gallstones, kidney stones, glaucoma, cataracts, disc disease, all types of cysts, and any disorder or disease of the skin.”

The insurance companies are declining coverage for these conditions in the first six months because generally these are the types of conditions that may be present in a person’s body even though they were not bothering the client prior to the effective date. For example, kidney stones don’t develop in just one day but over a period of time. Check your “Exclusion” page to discover what kinds of conditions are not covered in the first six months of coverage.