Those Expats With Pre-Existing Conditions Need An International Health Insurance Policy To Cover Their Needs

Expats Pre-Existing Conditions International Health Insurance Policy

Expats living and/or working in Southeast Asia who are suffering from a pre-existing medical condition can rest assured that comprehensive expat insurance cover is available.

There is a good choice of expat medical insurance policies available. These provide for general healthcare needs as well as covering any possible future treatment for those with pre-existing medical conditions.


International health insurance providers are now more flexible

It must be said that providers of expat insurance cover have no obligation to cover a person suffering from a pre-existing condition, but it should be stated that many are becoming much more flexible in this type of provision.


What are classed as pre-existing conditions?

When it comes to determining pre-existing conditions in respect of expat insurance cover, this is seen as either a disease or medical condition that those seeking cover currently have or have suffered from.

Anyone who has a history of receiving medical treatment, medical advice, medication, or anyone who has experienced symptoms across a range of medical conditions may find that they are classified as having a pre-existing medical condition.

If this is the case, the international health insurance provider in question is at liberty to either exclude the condition from any policy offered, place a higher premium on any policy offered, or deny cover altogether.


Pre-existing conditions – Examples:

  • A serious illness such as cancer
  • A current disease that is being treated, or one that has already been cured
  • Chronic conditions: examples being – Asthma, Diabetes, Skin or food allergies
  • Disabilities
  • Congenital conditions
  • Medical conditions which result following an accident
  • Pregnancy is considered as one of the various pre-existing conditions if expat medical cover is taken out while you are already pregnant

Note: The above is certainly not an exhaustive list of pre-existing conditions.


Reasons why a medical questionnaire needs answering

Expats in Southeast Asia will generally find that any individual seeking international health insurance cover is required to complete a medical questionnaire.

This is necessary to allow the expat insurance cover provider to assess the risk of an applicant against the likelihood of them requiring treatment during the life of a policy.

The amount of information required will vary dependent upon the expat medical cover provider in question, but such things as below are standard:

  • Individual personal details (Name, age, sex, address etc.)
  • Current state of physical and mental health
  • A section on pre-existing conditions will also be included and needs completing for those it applies to



Expert advice and comprehensive assistance are available

When looking at the choice of policies offered by expat medical cover providers, expats who are aware they have a pre-existing condition, or those who need advice on any historical medical condition can often get bogged down on inclusions, additional policy charges or exclusions.

This is where a professional, experienced and helpful international health insurance broker such as Expat by Expat can really come to your aid.

Our team of international health insurance experts understand everything there is to know about pre-existing conditions.

Because of our expertise in this complex area, we will be pleased to assist you in choosing the expat medical cover policy that best meets your individual needs.

We will also answer each and every question you may have on expat insurance cover and the reasons why pre-existing conditions can play such an important part in the policy you choose.

For a no obligation discussion on expat medical cover please contact us via e-mail, telephone or through the contact form below.

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