All of us are aware of the difficulty of getting health insurance if we have a chronic condition. Yet many think that because their chronic condition was covered on their group health insurance plan they can get coverage on an individual plan. Underwriting is much stricter for individual plans and many chronic conditions will automatically be declined. Here is a list of auto-decline conditions if apply for a long-term international health insurance plan from a large international insurance company we work with:
AIDS/HIV, Alcohol/Drug dependence within the past 10 years, Alzheimer’s Disease, Bipoloar Disorder, Cardiomyopathy, Cerebral Palsy, Cirrhosis of Liver, Crohn’s Disease, Congestive Heart Failure, Down’s Syndrome, Hemophilia, Hepatitis C, Hodgkin’s Disease, Hydrocephalus, Infertility Treatments, Leukemia, Lou Gehrig’s Disease, Multiple Sclerosis, Muscular Dystrophy Disease, Parkinson’s Disease, Psychosis, Quadrapalegia, Schizophrenia, Scoliosis, Spina Bifida, Suicide Attempt (any history), Systemic Lupus Erythematosis, Transplants (Heart, Lung, Liver, Kidney)
But this isn’t the whole story. There are numerous 2 and 3 year plans that provide medical coverage excluding coverage for pre-existing conditions. These plans all include medical evacuation as well. So if you plan to travel overseas and presently have US insurance, keep that insurance. Then add a 2-3 year plan (which you can take out for periods as short as 3 days if you wish) which will include medical evacuation coverage and medical coverage for non pre-existing conditions
We work on keeping all information on this site relevant, and free from error.
The information and advice on this website was deemed accurate when it was originally published. GNI cannot accept any responsibility or liability for any actions taken on the basis of the information provided, unless that information is subsequently confirmed in writing. For the latest up-to-date information please call us or check brochures and other published materials for latest revision/date.