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Exclusions in Travel Health Insurance

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Exclusions in Travel Health Insurance

Exclusions in Travel Health Insurance

When you are buying a travel insurance policy, it is very important for you to go through the exclusions and limitations of the plan. These exclusions are mostly similar between companies. However, you should look into the details of each plan before you find the one just right for you. Apart from the exclusions mentioned in the plan, most plans will provide a maximum dollar limit on the travel insurance benefits. Also, some benefits will have a pre fixed limit that is separate from the medical maximum. This is imposed irrespective of the level of coverage you have. If the insurance plan is offering you optional benefits like emergency evacuation, even that will have a maximum payable amount. Benefits like repatriation of remains, trip interruption benefits and emergency reunion also have these limitations on maximum amount payable. Go through the section on Information on Choosing a Travel Medical Insurance Plan to get detailed information on all the factors you should consider before selecting a plan. You will also get an idea about how the plans compare.

You will be provided with a list of exclusions for every travel health insurance plan you choose. If you undergo treatments for any of the causes mentioned in the list, your costs for treatment will not be reimbursed by the company. The most common of the exclusions and indeed something every person should know in detail, is the one on pre existing conditions. Under travel insurance benefits, you will not receive coverage for any costs that are undertaken to treat a pre existing condition. Even the health insurance benefits part of the travel insurance plan will, at the most, provide a limited amount of coverage for pre existing conditions. Most plans do not provide this cover at all. If provided, it may include office visits, medications and hospitalization to a limited degree. A pre existing condition refers to a medical condition where the person has received treatment for a pre determined period of time before he has purchased the plan. The time period which is applicable before the purchase of the plan is known as the look back period. This period differs from company to company .Therefore, for your own interest, you should go through the provisions of this point in detail.

In addition to considering this look back period, the company may also taken into account the medical treatment that was received due to this pre existing medical condition. This is taken as evidence that the symptoms of the disorder were manifest before the plan was purchased. The plan also considers the symptoms that had arisen even if the person had not received treatment for it. It will be easier to understand if we state an example. Suppose a person is diagnosed with cancer within two weeks of buying an insurance policy. Since cancer may remain asymptomatic for a long period of time, the person may not have been aware of it. But the condition is taken as a pre existing condition since it is assumed that it did not happen overnight. When you are buying a health insurance plan, it is important for you to understand that you will be provided covers only for unexpected and unforeseen conditions. It is therefore primarily designed to tackle medical emergencies. It should not be expected to take care of treatments for pre existing conditions. This condition is uniform and does not depend on whether you are aware of your condition or not.

Another common exclusion you may face is that of home country coverage. This basically means that if you return to your home country before your trip is completed, you will not receive covers for the time you are in your home country. Usually, your insurance policy will end the moment you return to your home country. Certain companies may provide you with continued coverage in case you return home unexpectedly. In some cases, your insurance company may provide you with covers for costs you incur internationally and treatments which need to be continued even when you are home. Information on these details will be available in the policy brochure provided to you. So, make sure you go through them in details before you buy the plan.

Any charges that are considered unreasonable or excessive will be refused by the company. The amount that the company will be willing to pay will depend on the Usual, Customary and Reasonable charges that are prevailing in the area where you are getting treatment. If you incur charges that are over and above this amount, you may be expected to pay the additional costs.

There may also be exclusions on the medical treatments that are not considered necessary, terrorism or acts of war, problems related to drugs and alcohol, injuries related to a professional sport, injuries sustained due to the performance of a dangerous activity, services related to pregnancy and services relate to sexually transmitted diseases. This is of course a short summary of the exclusions you may face. Carriers may provide more of such exclusions.


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