About preexisting conditions and Navigator International Health Insurance
This short video includes information about coverage for pre-existing medical conditions on the Navigator international health insurance plan. The Navigator international health insurance plan is a long term plan for expatriates, designed to renew annually for as long as you need. Because it is a long term health insurance plan, in order to obtain the outstanding coverage you must go through a process called “underwriting.” Underwriting is the insurance term for when your application goes through a review by the insurance carrier and they determine the risk the carrier assumes to cover you. So any medical conditions that have happened in the past, or that are still ongoing, are very important for the insurance company to know. These conditions are also known as pre-existing conditions.
To be more clear, what is a pre-existing condition?
A pre-existing condition is any medical condition that was diagnosed or treated prior to the effective date of coverage. This video is all about the coverage that may be available for pre-existing medical conditions. The Navigator international health insurance plan that we have is top notch, but does not cover outright all pre-existing conditions, because in certain situations, a person may be declined coverage due to health history.
Here is the great thing about the Navigator insurance plan’s coverage for pre-existing conditions: All pre-existing conditions will be covered as any other illness, but the Navigator plan has a 12-month waiting period for pre-existing conditions to be covered. This means that in the first year there is no coverage for any pre-existing conditions. However, one of the good things is that the Navigator international health insurance does not issue any exclusions. So, if you have pre-existing conditions and you go to apply, once and if you are approved, you have coverage for pre-existing conditions after 12 months of continuous coverage (in other words, at your first renewal as long as coverage was not ended in that 12 month period). Regardless of what pre-existing medical conditions you have or have had, if you are approved, you will have coverage in the near future! This benefit, covering pre-existing conditions without exclusions, is awesome and unique. What is even more awesome is that there is actually a waiver of the pre-existing conditions waiting period. You are able to waive that 12 month period all the way down to zero; no waiting period. If you have “credible coverage” you may do this. For example, let’s say you have a primary health insurance plan in the U.S. You can show proof of that coverage to the insurance company on the Navigator plan and reduce the waiting period up to twelve months. Therefore you could start from the effective date with complete coverage for pre-existing conditions. That’s what you need to know about pre-existing conditions coverage on this international health insurance. We have more information on our Navigator webpage and if you have any questions, you can always contact us by call, Skype, or email.