Imagine getting the runaround from your comprehensive, all-inclusive international travel insurance policy in case of a medical emergency while you are away from home. In this case, you are pressured to use your saved money. ##
If your travel insurer is unaware of any current or past medical conditions, they may decline to provide coverage for you.
To Begin With, What Is Past Medical History?
Past medical history refers to any conditions, illnesses, or operations you currently have or may have in the future. Due to the increased likelihood of medical complications, while travelling, specific medical histories of patients may become a barrier when purchasing a travel insurance plan. The following conditions are a few that the past medical history may consider:
- Health conditions that necessitate routine doctor visits
- Recent invasive surgeries
- Diseases that are incurable
- A medical emergency that requires surgery soon.
- Chronic diseases that have existed for a while, such as AIDS, Diabetes, Hypertension, High Cholesterol, or Cancer
Why Is It Important To Talk To Your Travel Insurance Provider About Your Medical History?
The premium set for your coverage may be low if you don’t tell your travel insurance provider about your prior medical history. You may be eligible for coverage for a few conditions. However, let’s say you talk about your previous medical history and let your insurer know if there are any complications. Your insurer might carefully consider your needs and create a suitable premium. Therefore, even though your international travel insurance online provider may advise getting a pre-medical checkup, informing them about any existing medical issues is always a good idea. Additionally, remember to follow the process of Bajaj Allianz travel
insurance renewal on time. Claims are subject to terms and conditions set forth under the travel insurance policy.
Advantages Of Telling Your Travel Insurance Provider About Previous Medical Conditions
The following are a few advantages that providing your full medical history may have for
your Bajaj Allianz travel insurance policy:
-
You Get Coverage Security
If you disclose any existing medical conditions in advance, you can travel comfortably without worrying about any unexpected medical issues. Up to 95% more likely for your claims to be settled if you notify your insurer of any complications. Claims are subject to terms and conditions set forth under the travel insurance policy.
-
Your Travel Insurance Policy Can Be Customised
It’s also a good idea to let Bajaj Allianz Travel Insurance know about your health history so they can create a plan just for you. You must discuss your needs to receive a customised plan of your choosing. Your medical history will make the process more straightforward if you disclose it.
-
You Are Saved From Empty Promises
Many companies offering travel insurance will make more lofty promises they won’t keep when the time comes! The ideal travel insurance plan for you will be left after you filter out ambiguous promises by being more specific about your medical history, and you will enjoy the genuine benefits of travel insurance.
Easy Claim Settlement:
Disclosing your full medical history makes the claim settlement process easier. By providing comprehensive information upfront, you contribute to a smoother and quicker claims process, ensuring that you receive the benefits you are entitled to in case of any unforeseen events.
-
Your Travel Insurance Policy Will Remain Affordable
Medical costs in India are significantly lower than those abroad. Choosing a travel insurance policy that excludes coverage for a pre-existing medical condition could cost you twice as much as your premium! ##
Subscribe to Bajaj Allianz General Insurance YouTube Channel here!
##All savings are provided by the insurer as per the IRDAI-approved insurance plan. Standard T&C apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
