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Ask Our Specialists
Your FAQ says a lot of policies mention acute pre-existing medical cover, does that mean something such as an epileptic fit that requires hospitalization would be something that is considered acute? And possibly if something happened if someone had a twisted bowel before travel and something happened during the holiday would it be covered if it required a hospital visit?
We would be glad to advise. An epileptic is expected to have seizures. An acute onset is something that would be unexpected. However, it would be determined at the time of the claim based on the attending physician's report. There is not a way to know ahead of time if something would be covered as the medical reports are what explain what happened at the time of incident. The answers the claims department needs to determine coverage would be in the medical reports.
Because visitor coverage does not cover pre-existing conditions, we do recommend to our customers plans with the acute onset benefit as the possibility of coverage is better than no coverage at all.
If you have any additional questions, please let us know.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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