Travel Insurance – Pre-Existing Conditions

If you have a disability, or you’ve had a serious medical condition in the past you’re likely to be quoted ludicrously high prices for travel insurance by most insurers. This guide explains how you can find affordable travel cover if you have health problems, and how to make a claim.

Medical conditions travel insurance: Your 10 need-to-knows

Travel insurance for people with pre-existing medical conditions works exactly the same way as insurance for typical travellers and is designed to cover you for the unforeseen, such as cancellation or lost luggage.
唯一的例外是,它还包括你过去可能患有的任何医疗状况或你目前遭受的任何医疗状况的护理费用。

This is not included in typical travel insurance as standard, meaning that specialist cover is vital for holidaymakers with a history of illness. You’ll usually pay more for specialist insurance, as insurers consider you to be more of a risk than those with a clean bill of health.

在你购买预先存在的医疗状况旅行保险之前,你需要了解以下10件事。

Insurance is about covering unpredictable events

“Why should I get travel insurance, I might not even use it?” you may ask. The whole point of travel insurance is to cover you for the unforeseen – ie, unpredictable events that may (or may not) occur either before or during your holiday.
If a disaster were to happen whilst you were on holiday, then you would rather be prepared, and not have to pay extortionate amounts for foreign healthcare.

Insurance is about making unpredictable events predictable in case the unpredictable happens.

Always declare your medical conditions or you may not be covered

A pre-existing condition is an illness or disease that you have had advice, symptoms or treatment for. Different insurers will have their own list of conditions they need to be informed about before you travel – the following are the most common:

  • Gastrointestinal conditions
  • Heart conditions (which usually includes high blood pressure)
  • Cancer
  • Breathing conditions (including asthma)
  • Joint and bone conditions
  • Diabetes

据统计,如果你在国外有医疗状况,你更有可能生病,所以在申请保险时,你必须全面、坦率地披露你的健康问题,或你过去的健康问题。
如果你的保险公司不知道你的病史,任何既存状况都将被排除在外,如果你身体不适,你可能会面临一笔巨额的账单。

Buy as soon as you’ve booked or risk not being covered for cancellation or pre-trip illness

It is never a good idea to wait until the last minute when you are buying travel insurance. This is even more important if you have pre-existing conditions because it may take a bit longer to get it sorted. There’s also the risk that your condition gets worse so if you’ve already got the insurance you’ll be covered.Thinking you don’t need to arrange cover yet as your holiday’s not for another six months is a big mistake.

因为还有六个月才放假,所以你认为自己还不需要安排保险,这是一个很大的错误。

In fact, it’s even more of a reason to arrange travel insurance, as anything can happen before your trip. Why? It’s because travel insurance won’t just cover you while you’re away, it’ll also cover you for cancellation or anything else that might go wrong BEFORE you make your trip.The sooner you buy

你越早购买保险,你的假期就越早得到保障。

Never assume all policies are the same

While choosing a travel policy isn’t rocket science, don’t think you can buy cover without first giving it considerable thought.

如果你有既存状况,这一点在寻找保单时更为重要,因为它们差别很大,每一种都有自己的包括和不包括、限制和超出范围。

Before you decide what you are going to buy ask yourself the following questions:

  • Will I be bringing expensive personal belongings?
  • Will I be carrying a relatively large amount of foreign currency?
  • 我参加冬季运动了吗?

This will help you decide appropriate cover.

Single trip policies MAY be your most affordable option

如果你有既存状况,购买年度保险可能会非常昂贵。Get quotes for both single trip and annual cover and work out what will be most cost effective.

如果买一份年度保险更便宜,而且你知道你要出差很多次,那就选择年度保险。当然,这取决于你要去的地方和旅行的时间长短,但如果你在保单期内还有额外的旅行,你就已经有了有效的保险。

Groups policies are based on the oldest traveller so separate cover could be cheaper

Group insurance premiums are based on the oldest traveller or the person deemed to be the highest risk, such as someone with pre-existing medical conditions. Insurers become more selective under these circumstances and hike up premiums.

A separate policy for you may be the best option to avoid everyone paying more than necessary, but always check both.

Here’s an example:

A family of four – A 45-year-old with diabetes and on medication for high blood pressure, 40-year-old with a clean bill of health and two children under 18 – want a worldwide annual travel insurance policy. They have two options:

Option 1: Take out an annual group policy – the cheapest we could find was £132.16
选择2:为40岁的人和两个孩子购买一份保险,费用为41.08英镑,为已有疾病的旅客购买一份单独的保险,费用为68.14英镑。两种保险的总费用是109.22英镑,比团体保险便宜22.94英镑。

However, one thing to be aware of is if, for example, the traveller with pre-existing conditions fell ill and couldn’t fly back at the end of the holiday, the 40-year old and the kids would not get a payout towards the cost of staying on as they have a separate policy. If they were all on the same policy they would all be covered.

Going to Europe? Don’t forget your EHIC (it’s FREE)

One of the most common areas of travel cover confusion is the European Health Insurance Card. Many travellers wrongly assume, due to its name, that it is a substitute for travel insurance.

EHIC使您有权在欧盟国家和冰岛、挪威、列支敦士登和瑞士的国营医院接受治疗。这张免费卡可以让你以与当地居民相同的费用在同一家医院接受治疗,最重要的是,已经存在的疾病和慢性疾病也包括在内。如果他们不支付,你也不支付。

但是,你只能使用已签署EHIC计划的医院和医生。如果您有任何疑问,请在开始治疗前向EHIC咨询。

The card should not be used instead of insurance because travel insurance covers far more. For detailed info, including a country-by-country rundown, read the Free EHIC Card guide or get one direct from the website or by calling 0300 330 1350.

Going skiing? Make sure you have winter sports cover

Winter sports can be dangerous, so as soon as you’ve splashed out on your break, make sure you are insured on the slopes. As well as covering you for the basics you’d get with a pre-existing travel policy, you’ll also be insured for activity-related injury and your winter sports.

Don’t overpay on your insurance. Costlier cover is rarely worth it

当你为一个有既存状况的人购买旅行保险时,你将会比那些健康状况良好的人支付更多的钱。

Cover for pre-existing conditions

无论你是在欧洲或更远的地方旅行,与你的家人或独自一人,遵循以下步骤,以合适的价格找到合适的封面。这些步骤适用于单一和年度保险,如果你有严重的医疗状况,单一保险可能是最负担得起的选择。

Do you need pre-existing cover?

Some conditions are more difficult to cover than others, so consider your needs carefully. If you have or have had, mild asthma or high blood pressure you may still be able to get cover at normal terms. Remember that you must tell your insurer about your condition – even if you don’t deem it particularly serious. Don’t give them an excuse to refuse to pay out.

If you’ve got a serious condition, you’ll need specialist cover

More serious conditions, such as certain heart conditions or cancer, are likely to need specialist cover.

向专业的经纪人咨询,他应该能帮助你。

How to claim on your travel cover

Claiming on your travel insurance shouldn’t be daunting and, if you understand the terms and excesses on your policy, you shouldn’t be in for any nasty shocks. Follow the four steps below in the event you need to claim.

1. Submit your claim as soon as possible

Contact your insurer as soon as you can. Some parts of your policy may have a short window to submit a claim and it may take a while to be processed.

2. If it’s a medical claim get an insurer to accept it first

如果你需要提出医疗索赔——而且不是紧急情况——首先让保险公司接受电话索赔。例如,小偷偷走了放在手提包里你急需的药品。如果保险公司接受电话索赔,你就不太可能在以后遇到被拒绝的索赔。原因很明显,如果是紧急情况,不要拖延治疗。

3.If it’s a theft or loss claim notify the police

If something goes missing or is stolen when you are abroad you may need to get a crime reference number or the overseas equivalent to make a successful claim. Report the incident to the police as soon as you can – you often have to do it within 24 hours to be able to claim – to make sure your claim doesn’t get rejected.

4. Keep your receipts

If you are claiming for lost luggage or delay, remember to keep receipts of essential items you have bought in the interim, such as food and drink. Many insurers allow you to add these expenses to a claim and may ask for receipts as proof.

谢谢您阅读我们的旅行保险指南。我们希望你觉得它有用!

Jeremy Webster - Travel InsuranceThis information was kindly authored by Jeremy Webster ofWebsters Insurance Brokers.
在韦伯斯特的知识渊博的团队可以帮助任何关于封面和筛选程序的查询。
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