You do not have to let a pre-existing medical condition stop you from traveling. Many people with a similar situation are still able to take up travel insurance. However, you need to know how to apply for travel insurance properly, or you could end up forfeiting your insurance premiums.
This article provides useful tips on how to minimize the risk of losing out on your travel insurance premiums just because you didn’t know you have to disclose your medical condition at the time of purchase.
First, you need to understand what constitutes a pre-existing medical condition. If you have an illness or injury that has been ongoing within a specified time frame prior to applying for travel insurance, you have a pre-existing medical condition. The time period varies from insurer to insurer, and could range from months to even years for different conditions, so you’ll need to do some homework.
Any medical condition must be declared when applying for travel insurance. Read the pre-existing medical conditions exclusion of the insurance plan very carefully. The most common exclusions are for medical problems such as asthma, diabetes, cardiovascular problems (including hypertension), cerebrovascular problems (strokes and brain haemorrhages) and cancer. Read the full story
