For many of us who have previously purchased health insurance, the term “pre-existing conditions” is a major source of anxiety. Does super visa medical insurance cover any condition? How much coverage do you have? What is the cost of the premium? What about the waiting period?
When it comes to pre-existing conditions, there are many questions to ask and things to look out for when purchasing a super visa medical insurance policy. Here are some key points to keep in mind.
What is a pre-existing condition?
Some people get pre-existing conditions mixed up with a disease or condition that a person may have at the time they purchase the policy. The term “pre-existing condition” refers to anything from a heart attack to diabetes to a previous hospitalization, any surgery, medication for any disease, or a complete medical history of any disease. Skin conditions, serious accident injuries, and any signs or symptoms such as high blood sugar, thyroid, or high blood pressure are examples of diseases. In other words, the insurer is interested in learning about every illness, condition, or injury you’ve had.
Each insurance company defines ‘pre-existing conditions’ differently, so read the fine print carefully. In general, a pre-existing condition is defined as any condition for which the patient received medical advice or treatment before enrollment in a new health insurance plan. The insurer usually takes into account a ‘look back’ period of around five to ten years. Companies typically require a medical condition to be stable for 90, 120, or 180 days before the policy takes effect.
An important point to note is that “known or unknown medical condition” is part of the definition of a pre-existing condition. This means that even if you were unaware of a pre-existing condition before purchasing health insurance, it is still considered an existing condition. Certain situations, for example, may not be covered by super visa medical insurance.
- Alzheimer’s disease
- Dementia
- Anxiety
- Depression
- Alcohol or drug-related illness or injury
- Complication-free pregnancy or childbirth
Make sure to carefully read your super visa medical insurance policy to determine what is and isn’t covered under pre-existing conditions, or ask your travel insurance agent for assistance. To avoid surprises, be aware of travel health insurance and medical evacuation coverage.
Tips to Buy Super Visa Medical Insurance If You Have a Pre-existing Disease
People with pre-existing health conditions are frequently required to undergo a pre-policy medical examination to purchase super visa medical insurance. The fee charged by the insurance company is determined by the outcome of the medical examination. Pre-acceptance health checks may also result in the insurer refusing to offer the policy or reducing its coverage.
You’re probably wondering how to get around this problem.
Here’s an overview of some useful tips for finding the best super visa medical insurance policy, even if you have a pre-existing medical condition:
Read Terms & Conditions
The screening process, waiting time, list of pre-existing diseases, and so on can vary depending on the super visa medical insurance policy, type of insurance, riders, insurance company, and so on. Most insurance companies will require you to undergo a medical examination before they will offer you insurance. Some insurers may also consider your health and age. As a result, before selecting a super visa medical insurance plan, you should review the purchase process and terms.
Do Not Hide a Pre-existing Illness
Do not conceal any pre-existing health problems from the insurance company when purchasing the policy. This is significant because if it is discovered during treatment that you have a pre-existing condition, your health insurance claim may be denied.
Every Doctor Visit Does Not Count as a Pre-existing Disease
When it comes to pre-existing conditions, insurance companies only consider health conditions that will affect you later in life. Don’t worry if you are prone to the flu, cough, cold, or fever! Short-term health problems are not considered pre-existing diseases by the insurance company because they have no long-term consequences.
Short waiting period.
There used to be a waiting period for an illness that prevented you from claiming for a certain period when purchasing an individual super visa medical insurance plan. During this time, the insurance company will not pay claims resulting from such diseases. Furthermore, depending on the insurance contract, this waiting period may vary. It also depends on the severity and duration of the previous illness. That is why it is worthwhile to select super visa medical insurance with a shorter waiting period for the disease.
Premium of super visa medical insurance policy
Your super visa medical insurance premium may be affected if you have a pre-existing condition. If you have a pre-existing condition, you must pay a higher fee than applicants who do not have any medical conditions. The exact amount of the premium is determined by your illness, age, policy coverage, and so on. However, regardless of the amount of the premium, it is critical to remember that you should never lie about your health. You may save more money in the short term by withholding information, but the costs can be very high later if your claim is denied and you are forced to pay your medical bills out of pocket.
Avoid Health Plans with a Co-Payment Clause
Some super visa medical insurance companies may impose a co-payment for pre-existing covered conditions. This clause requires you to pay a percentage of the damage amount during the claim settlement, and the insurance company will pay the balance. However, not all health insurance policies include a co-payment clause to cover pre-existing conditions. Purchase a health plan that does not include a co-pay clause.
Why Do Health Insurance Companies Dislike Pre-existing Diseases?
Insurance companies make an effort to provide super visa medical insurance coverage to people who have pre-existing conditions.
Do you know why?
This is because people with pre-existing conditions are more likely than others to file a claim. This increases the financial risk for health insurers, which is why they avoid providing health insurance to people with pre-existing conditions. The disease is difficult to predict. People who already have health issues, on the other hand, are more likely to become ill and file a claim. As a result, insurance companies reduce their financial burden by refusing to cover people with pre-existing conditions.
Conclusion
To summarise, having super visa medical insurance is not only a legal requirement when traveling with or reuniting with family in Canada, but it is also a wise way to pay for it all, particularly when dealing with pre-existing health conditions. This specialty insurance goes above and beyond regulatory requirements by protecting against unexpected medical expenses related to pre-existing health issues. Applicants can confidently navigate the rigorous healthcare process by selecting coverage that includes pre-existing illnesses, ensuring not only compliance with visa regulations but also putting their best interests first while in Canada. Essentially, Parental Super Visa combines compliance with laws and compassionate health care to provide tourists and their families with a positive, worry-free experience in Canada.
