When purchasing insurance read the fine print relating to “Pre-Existing Conditions.” This may determine whether or not the insurance will meet your needs. (We have plans that also include pre-exisiting conditions if that choice fits you better. For short-term travel. For living overseas more than one year.)
Each company has their own definition of a pre-existing condition.
Here is the definition of “Pre-Existing Conditions” taken from a policy that gives medical coverage for foreign nationals visiting the USA:
A pre-existing condition is defined as an injury or illness which was contracted or which first manifested itself; or for which manifestations of symptoms would have caused a prudent person to seek medical advice or treatment; or for which a licensed physician was consulted; or for which treatment or medication was prescribed within the five years prior to the effective date of the insured person’s coverage.
The following is a “Pre-Existing Conditions” definition for a domestic policy offered in the USA:
Any injury or sickness, or any complications there from which is present or manifest itself, or for which medical care, treatment, advice or consultation was rendered to a Covered Person with the 12 months period prior to the Effective Date of Coverage. Any injury or sickness shall be considered to be present or manifest if the condition or symptoms exist prior to the Effective Date of coverage, even though no diagnosis, care or treatment were sought or received.
A general rule about pre-exisiting conditions:
A pre-exisiting condition is something you have been seen by a doctor for already, anything you may be taking medication for, any change of medications in the last 6 months, even a condition you may currently have – but may not be aware of (such as kidney stones which develop over time).
Different companies put a time limit on what is considered a pre-existing condition.
The first company above gives a five-year look-back as the time span for determining a pre-existing condition. Among the various policies we handle the following time limits are given: 6 months, 12 months, 24 months, 5 years, 24 months, 60 months, etc.
Having pre-existing conditions does not mean that your insurance rates will be higher.
But, if your pre-existing conditions fits into a company’s definition for such, it may mean that those specific conditions will not be covered by your insurance (excluded). Or may be subject to a time limit without a re-accurence before being covered.
How does an insurance company determine a preexisting condition?
Go to https://www.gninsurance.com/resources/ask-Jeff/understanding-insurance/determining-pre-existing-conditions/
Before you buy insurance, get information on any “Pre-Existing Condition clause(s).
Otherwise, you may think some medical problem will be taken care of even though it is clearly excluded from coverage because it is a pre-existing condition.
As always, we are happy to help. If you have a question regarding coverage or options, write us at email@example.com and if we don’t know the answer, we’ll ask the carrier(s) and get you an answer. If in doubt, buy a plan with better coverage and better networks/provisions. In most instances the additional amount is minimal and the additional protection is well worth it.
However, these plans presume that you are a U.S. resident in the U.S. at the start of your trip, and have ACA-health coverage now.
- If you are non-U.S. or not in the USA right now,
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.