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Question:

Pre-existing conditions coverage Hi, My mom is planning to visit us from India and she is currently getting treated for lung cancer. She is getting medication from a doctor in India and is in stable condition. If I buy a insurance from you guys which has some pre existing condition coverage, what all will it cover? Would it cover if she gets sick for anything related to her cancer and would it cover anything that might not be related? Please let me know.

Answer:

No plan covers pre-exisiting conditions. There is a plan called Atlas America that covers the acute onset of a pre-existing condition. This means something that comes on without any warning and is a life threatening situation. For more information on this: Pre-exisiting condition faq - /visitor-medical-insurance-pre-existing-conditions/ Atlas America Brochure - /atlas-america/visitor-medical-insurance/ Acute onset coverage - /atlas-america/acute-onset-pre-existing-conditions-coverage/ There is no list of what is or is not covered, it is determined at the time of claim if something is related to a pre-existing condition. Please feel free to contact us if you have any questions.


Please note that cancer is specifically excluded in case of Atlas America. And acute onset of pre-existing conditions coverage is only for people under the age of 70 years.

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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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