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Coverage of pre- existing conditions Hi! My father is a heart patient and had a bypass surgery about 9 yrs ago.He still takes medicines for lowering cholesterol and B.P. He will soon be visiting the US and is planning to purchase the Atlas America insurance in which pre- existing conditions are covered. Will his condition be covered ? Also if he ever claims for insurance will he have to produce his previous medical records in the US? Thanks
Provided he is below the age of 70 years, Atlas America Insurance will cover an acute onset of pre-existing conditions up to $15,000. Acute onset of pre-existing conditions means something unforeseen emergency occuring out of the pre-existing conditions an all of sudden and you take the treatment within 24 hours. Depending upon what exactly happens, some of the conditions of your father may be the candidates for coverage under this clause. What prior medical records are required depend upon the case by case and it is difficult to give the general answer. I hope that answers your questions. If you have any further questions, please feel free to post them here or contact us at any time.
Thanks for the reply. So should he be carrying all his medical records from india in case he needs to be seen by a doctor or file a claim.
It is not mandatory to do so. However, it may be handy just in case he needs to produce some records.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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