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Once in a week my father-in-law needs to go for kidney dialysis. Will these medicines costs be covered under visitor medical insurance? |
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No, regularly required medical expenses for pre-existing conditions will be covered by any visitor insurance plans. If your father-in-law has a kidney pre-existing condition which needs planned regular dialysis, this will not be covered by the visitor insurance plan coverage. The plans that provide pre-existing coverage do so for acute onset of existing conditions and have very specific limitations for their coverage. Please review the policy brochure for more details. The policy brochures can be accessed through our pre-existing coverage visitor insurance comparison tool.
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How do insurance companies find out whether pre-existing conditions covered or not covered? |
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The most importance factor determining the coverage will be the attending physicians statement (APS). The doctors report will indicate if this treatment was due to the old ailment or not. The insurance company will also consider if she is currently undergoing any regular medical treatment then it will be considered as a pre-existing condition and the visitor insurance plan will not cover it. Some of the visitor insurance plans that do cover pre-existing conditions so do so for acute onset of existing conditions and have very specific limitations for their coverage. Please review the policy brochure for more details. The policy brochures can be accessed through our pre-existing coverage visitor insurance comparison tool
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My mother-in-law had a heart attack 5 years back. If she again gets heart related problems, will that be covered under visitor health insurance? |
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The most importance factor determining the coverage will be the attending physicians statement should your mother-in-law need medical care for a heart problem while she is visiting the US. The doctors report will indicate if this treatment was due to the old heart problem or not. The insurance company will also consider If she is currently undergoing any regular medical treatment then it will be considered as a pre-existing condition and the visitor insurance will not cover it.
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My grand father is coming to the US next week to undego some medical tests ? Will visitor insurance cover the expenses for this? |
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Visitor insurance does not cover preventive care, in other words planned medical tests will not be covered.
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My parents are visiting the United States. If a health emergency arises suddenly because of a pre-existing condition and they need health care, will these medi cal costs be covered under visitor medical insurance? |
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Some of the visitor insurance plans that do cover pre-existing conditions so do so for acute onset of existing conditions and have very specific limitations for their coverage. Please review the policy brochure for more details. The policy brochures can be accessed through our pre-existing coverage visitor insurance comparison tool.
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My relative was suffering from kidney dialysis. She has already got her the required treatment in India. However we would like to get a medical check up done for her in the US. Will the medical tests be covered under pre-existing conditions? |
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No, visitor insurance even those with pre-existing condition coverage does not cover preventive care, in other words planned medical tests will not be covered.
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