Wednesday, March 05, 2008

What is the deal with Pre Existing Conditions when it comes to visitor medical insurances?

Q) What is the deal with Pre Existing Conditions?

A) Short answer is Pre Existing conditions (something for which you were diagnosed or treated in last 6 months) are generally not covered. But you can take an option for Pre-existing benefit for heart attack or stroke.

But we suggest you should please read more ...
We would like to be very frank and upfront over here that at such low premiums none of the insurance companies or underwriters can afford to and remain in business if they cover pre-existing conditions. The key to these insurances is about providing coverage at the time of emergency and medical misfortunes due to accidents. "Inbound USA" offers the lowest premium of all other USA based insurance plans and it does it with honest intensions.

Unfortunately some other companies whom we will not name over here use "pre-existing conditions" as a marketing hype. They claim coverage of pre-existing conditions but be sure to read the FINE PRINTS and compare the costs.

Often they require you to pay 20-30% additional premium on top of their high rates and after all that they limit the benefit to TEN (10) percent or less of the policy maximum that you purchased. For example Policy Maximum comes down to $10K from $100K. So you end up paying much more without any guarantee of coverage.

So please do your due diligence. Is it worth to pay a lot more for just $10K of pre existing conditions coverage?