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Health insurance queries - pre-existing conditions Dear Sir/ Madam: My in-laws are visiting me for 5-mos starting next week. I'm planning to buy the Patriot or Atlas plan from your website. My father-in-law is 62 yrs old and mother-in-law is 57 yrs old. They are in good health. They underwent lots of tests and thorough checkups before buying their tickets and everything is normal. No BP, no diabetes nothing. The only thing that comes to my mind is that few months ago my father-in-law had pulled up a hamstring while visiting a temple. He was treated for it and is pain free. Now for some reason if his pain flares up while in USA, will it be treated as a preexisting condition or as an emergency? If the doctors find the pain has nothing to do with the hamstring pull but something else, how does the insurance treat this scenario? If the doctors find that the pain is due to something that was not diagnosed earlier, does insurance cover it? I hope you get my questions. Please advice. Thanks
Recurrence of a pre-existing condition is considered as pre-existing condition and not covered, even if emergency. Please read /visitor-medical-insurance-pre-existing-conditions/ for more information. As long as the treatment records in the US indicate that the condition was not related to pre-existing condition, it would be covered. You can purchase Patriot America online at /patriot-america-lite-insurance/ Please feel free to contact us at any time if you have any other questions.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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