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Is taking medication after a heart attack be classed as premedical or pre-existing condition for travel Insurance?
Wiki User
∙ 15y ago
Yes, unfortunately it is. From my experience of trying to get insurance following a heart attack, they are particularly interested in whether you have your angina under control and how many different medications you are taking. If you had a heart attack recently (ie within the last year), go the BHF website for a list of insurers who will cover you. But you must always be completely honest with insurance - if in doubt, ask them. You do not want to be stuck in a strange country with no way of paying your bills!! In the USA it depends. Most companies will not consider it a pre-existing condition if you are taking a prescribed medication for a controlled conditions and the if the medication and condition have remained stable during the 180 days prior to your Travel Insurance policy effective date. Also many policies allow you to waive the pre-existing conditions exclusion if you purchase the insurance within 10 to 21 days(depends on the company) of your first trip payment date.
Wiki User
∙ 15y ago
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Does there have to be a diagnosis to be considered a preexisting condition?
According to my insurance company if you have seen a doctor about the condition it is preexisting.
Is prostate cancer considered a preexisting condition?
If you try to get health insurance and you have cancer, it is considered a preexisting condition.
What is the meaning of pre existing?
Preexisting means something that already exists, or exists before this point. For example a preexisting condition in relation to medical insurance is an illness that you have before you take out the insurance.
If a patient is diagnosed with a disease before the effective date of the insurance plan is?
preexisting condition
What is the definition of a preexisting condition?
The diseases which already existed at the time of taking the health insurance policy are attributed as preexisting condition. The Health Insurance Co. is at liberty to cancel your claim forthwith if it is proved that you contacted any such disease after taking the policy.
Does a preexisting condition matter with no exam life insurance?
You will have to fill out a questioneer and disclose your condition. Your prexisting conditions do indeed matter.
Is having a heart cathetor test considered pre existing condition?
Tests, of any kind, are not included in the definition of preexisting condition. You have to be given a definitive diagnosis from that testing in order to have a preexisting condition. If by having a heart cath test, it was determined that you did not need to have one placed, then you do not have a preexisting condition. For example, you may have an MRI/CAT Scan and then a PET Scan to determine if you have cancer, but if they find you do not have cancer, then you are not diagnosed with a condition, therefore cannot considered preexisting. I should add that, generally if a Dr. wants to evaluate for a heart cath, then you currently have or have had issues with your heart in the past. This may be something like a high percentage blockage, irregular heart beat, thickening of the lining around your heart, etc. This would be considered a preexisting condition and future insurance companies may determine that any intervention needed on your heart would be preexisting. However, insurance companies usually have a preexisting time frame (generally 12 or 24 months) in which a condition is no longer consider preexisting. For example, if you were diagnosed with a heart condition 13 months ago and the insurance company you are planning on joining policy is a 12-month limit on pre-existing conditions, then you are in the clear and the preexisting condition clause does not apply to you.
Is degenerative disc disorder a preexisting condition?
Degenerative disc disorder is a pre-exisiting condition that most insurance companies would likely place a "rider" on. The rider basically says that the insurance company will not pay any claims related to the degenerative disc. Some companies may still cover any medication prescribed for the problem.
Is a dislocated shoulder a preexisting condition?
If your shoulder commonly comes out of its socket, then it is a preexisting condition. If it is the first time you have dislocated your shoulder or if you have never dislocated your shoulder, then it is not a preexisting condition.
Does insurance cover foundation repairs?
It might and it might not. It depends on what scope of coverage you purchased and if it was a preexisting condition or not.Contact your insurer or your insurance agent for clarification of your coverage.
Does optical insurance cover disposable contact lenses?
If you were to purchase optical insurance, you would have to pay an increased rate for a preexisting condition. However, the optical insurance would cover the cost of of the lenses.
Is an ovarian cyst considered a preexisting condition if it has dissolved on its own months prior to being enrolled in an insurance plan?
An ovarian cyst would not be considered a pre existing condition. You should have no problem getting an insurance plan.
