When an insurance company refuses to cover a medical expense and labels the medical problem as a preexisting condition, we often get upset and feel that the insurance company is not dealing fairly with us.
Know how the insurance company comes up with the preexisting designation on medical conditions.
First of all, they look closely at your application.
If you have written anything indicating a preexisting condition, that will be their first reason to label a condition “pre-existing.”
What’s a “pre-exisiting condition”? Check out https://www.gninsurance.com/resources/ask-Jeff/understanding-insurance/pre-existing-conditions/
Your doctor’s records are also important.
Often we forget what we told a doctor during past office visits. And we don’t know everything the doctor writes down on his records.
If an insurance company is seriously investigating coverage for a preexisting condition, they will ask for your doctor’s records. They may
also contact the doctor personally, especially in big(ger) cases.
If you have stated something on your application that indicates a possible pre-existing condition
Even if the doctor’s records do not mention that medical condition, if you have stated a condition that may be serious, the insurance companies may exclude coverage based on what you wrote on your application.
If you are concerned that preexisting conditions are covered
If you are concerned that all of your preexisting conditions be covered, make sure that you get an insurance plan that covers them. There are plans that provide limited and also total coverage for preexisting conditions for travel up to one year, as well as for those moving overseas. Always feel free to call us at 866-636-9100 toll-free in the USA or Skype “Good Neighbor Insurance” from anywhere in the world. You can also ask about plans that meet your specific needs at email@example.com. Please let us know your name, age, your destination and whether other will be traveling with you as well as the length of your trip and any specific questions or concerns that you have. This will help us give you the best recommendations and save you time.
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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.