What is a Pre-Existing Condition?

In the context of healthcare in the United States, a pre-existing condition such as high blood pressure, diabetes, asthma, ect., is a medical condition that started before a person’s health benefits went into effect. You might look and feel healthy, but you might have a condition that you don’t know about. It’s very painful to find out about a sickness when it’s too late. Most insurance companies do not cover pre-existing conditions.

Is there a medical test to determine whether a person have pre-existing conditions?

The doctor who is going to treat you, will let the insurance company know about your sickness and whether it is a result of pre-existing conditions or not. It is better to share this information with your Health Insurance Provider, such as India Network Health Insurance, beforehand in order to get the right plan and be sure that you will get the coverage you need.

If you meet any of these conditions you should get a pre-existing plan:

  • If you are 50 years old and above.
  • If you take medication regularly.
  • If you have diabetes, high blood pressure, AIDs, cancer, etc.
  • If you had any kind of surgery prior to purchasing the insurance.
  • If you have any condition that will require regular doctor’s visit.

How insurance companies use acute onset definition?

Most insurance companies don’t offer pre-existing coverage, but do offer acute onset coverage. There are a lot of exceptions that may apply when it comes to acute onset. For most insurance companies, insured must seek medical attention within 12 or 24 hour window after initial symptoms manifestation in order to be considered acute onset.

What you need to know about acute onset:

You should seek medical attention as soon as you experience any symptoms. When it comes to extreme conditions like a heart attack or stroke, people need to get immediate care since these conditions can be very severe, and could cost a lot of money.

Stay away from “acute onset” definition!

People should stay away from insurance plans that have pre-existing condition coverage with acute onset definition. This definition pretty much nullifies the coverage you were expecting for pre-existing conditions as it is impossible to run to the hospital immediately after some discomfort. Due to this reason, any plans that offer millions of dollars of pre-existing conditions coverage using the “ACUTE ONSET” definition at a very low price. As you see very well, most claims do not qualify under the definition of “acute onset” and you will soon realize that plan has no practical coverage for pre-existing conditions.
Any pre-existing coverage that uses “acute onset” definition is likely to deny your claims.

What are the best plans? Are there any plans with no acute onset definition?

India Network Health Insurance offers CHUBB Network Comprehensive plan and CHUBB Premier Plan for people with pre-existing conditions that will help with different life threatening episodes caused by pre-existing conditions. These plans do not have acute onset definition; hence, they provide great coverage with fewer restrictions. These plans are recommended for older people (50 years and up), and for people with pre-existing conditions.Pre-existing condition coverage comes with a separate deductible.
This Plan is #1 in the country that uses this definition.
 Under our program if you end up in ER with pre-existing problems, you will be covered no matter how long you waited to get medical help. No other plans cover this!

Please go to this page to get a quote of Visitor Health Insurance Plans offered by India Network Services.