Travel insurance for pre-existing conditions: What you need to know

Planning a holiday is always exciting – the anticipation of new places, cultures, and experiences. But for travellers with pre-existing medical conditions, there’s an extra layer of planning involved. That’s where travel insurance comes into play, ensuring that your adventures are protected, no matter your health background. At Zurich Kotak General Insurance, we understand the importance of peace of mind while travelling.

What is a pre-existing condition in travel insurance?

A pre-existing condition refers to any medical issue you’ve been diagnosed with or treated for before purchasing your travel insurance policy. This could include chronic illnesses, past surgeries, or any long-term health issues. Common examples include:

·       Chronic illnesses: Such as diabetes, asthma, or hypertension.

·       Heart conditions: Including angina, heart attacks, or arrhythmias.

·       Respiratory issues: Like chronic bronchitis or COPD.

·       Mental health conditions: Including anxiety, depression, or bipolar disorder.

·       Past surgeries: If they impact your current health status.

Essentially, if it’s part of your medical history and could impact your health while travelling, it counts as a pre-existing condition.

Why is travel insurance important for pre-existing conditions?

Travelling without proper coverage can be risky, especially if your condition flares up or requires medical attention abroad. Medical care in foreign countries can be expensive, and without insurance, you might find yourself facing hefty bills. Travel insurance tailored for pre-existing conditions offers:

·       Financial protection: Covers unexpected medical emergencies related to your pre-existing condition.

·       Peace of mind: Travel with confidence knowing you're protected.

·       Access to quality care: Ensures you receive proper medical treatment no matter where you are.

·       Support in emergencies: Access to assistance services for guidance and help during medical crises.

Tips for getting the right travel insurance coverage with pre-existing condition

To ensure you have the best protection while travelling with a pre-existing condition, consider the following tips:

1.      Be transparent:

a.      Always disclose your pre-existing conditions when applying for travel insurance.

b.      Full disclosure ensures that your policy provides the coverage you need.

2.      Understand the policy:

a.      Read the terms and conditions carefully.

b.      Look for any exclusions, limitations, or waiting periods related to pre-existing conditions.

3.      Consult your doctor:

a.      Discuss your travel plans with your healthcare provider.

b.      Get advice on managing your condition abroad and any necessary precautions.

4.      Carry essential documents:

a.      Bring copies of medical records, prescriptions, and a doctor’s note outlining your condition.

b.      Keep emergency contact information and insurance details easily accessible.

5.      Plan ahead:

a.      Research medical facilities at your destination.

b.      Ensure you have enough medication for the entire trip, plus extra in case of delays.

What does Zurich Kotak General Insurance offer?

We believe that everyone deserves to travel with confidence. Our travel insurance policies can be tailored to cover a wide range of pre-existing conditions, providing benefits such as:

·       Emergency medical expenses:

o   Coverage for hospital stays, treatments, and doctor visits.

o   Includes costs for prescription medications and follow-up treatments.

·       Trip cancellations or interruptions:

o   Reimbursement for non-refundable costs if your condition forces you to cancel or cut short your trip.

o   Coverage for additional travel expenses due to medical emergencies.

·       Medical evacuation and repatriation:

o   Arrangements for transport to the nearest suitable medical facility.

o   Repatriation back home if specialised treatment is needed.

·       24/7 assistance:

o   Access our dedicated support team anytime, anywhere.

o   Assistance with finding local medical facilities and language translation if needed.

Conclusion

Having a pre-existing condition shouldn’t stop you from exploring the world. With Zurich Kotak General Insurance, you can embark on your adventures knowing that you’re protected every step of the way. Our comprehensive coverage ensures that no matter where you go, you have the support and protection you need.