There is encouraging news for visitors to the US looking for emergency coverage for a sudden flare up of a pre existing condition. Most insurance plans expressly exclude any coverage for medical expenses arising out of a pre existing condition. A newly enhanced Atlas America plan offers for insureds below age 70 up to $15,000 in coverage for medical expenses arising due to a sudden acute onset of a pre existing condition.
It is important to understand the common definition for a pre existing condition first. It can be explained as an ailment or condition that was present prior to the start of the plan. Typically, ailments that manifested (regardless of being treated or not treated) 24 months prior to the start of the plan are considered as pre-existing conditions and hence excluded from coverage.
The Atlas America plan offers coverage with a lower plan limit ($15,000) for a sudden and acute onset of a pre existing condition. The insured must seek medical attention for their condition within 24 hours of the first symptoms to be considered for coverage. The plan does not offer coverage for routine checkups or regular maintenance of their ailment. There must be an acute onset of an illness related to the pre existing condition to be considered for coverage. Benefits for covered sicknesses can include doctor visits, tests, surgery and prescriptions.
While most plans offer absolutely no coverage for pre-existing conditions, the Atlas America plan offers this limited but very valuable benefit. Review Atlas America Insurance plan on the page for visitor medical insurance plans or call 877 593 5403 for more details. You can also review a dedicated website for visitors insurance.
Remember to review the policy brochure for precise definitions, terms and conditions.
Anil says:
Is there a coverage like you website mentions for under 70 years of age. My parents are 71 and 68 years of age. They have stable pre existing condition. If there is a limit for duration or waiting period, I have time for them. They will be visiting me in Dec 2008. Thanks Anil
July 22, 2008, 12:58 amadmin says:
For your Dad (71 years): You can consider the Liaison Majestic Insurance (comprehensive plan for both hospital and out-patient expenses) or the Inbound Hospital Insurance (limited coverage plan for hospital expenses only) providing some coverage for a pre existing condition.
For your Mother (68 years): The Atlas America Insurance (comprehensive plan for both hospital and out-patient expenses) can provide coverage up to $15,000 for acute onset of pre existing conditions (for less than 70 years).
Please also review our Visitor Insurance Frequently Asked Questions (FAQs) section to understand the distinction between a "fixed benefits program" and a "comprehensive program".
Also, you can compare quotes, plans features etc. on the page for visitor medical insurance comparison. Alternatively, you can call us at 877.593.5403
July 24, 2008, 7:07 ammavil paul says:
i would like to know the coverage given to visitors who have under gone
July 31, 2008, 4:20 pmcabs (open heart) & are aged 70+.
2. whether asthamatic conditions come under pre existing conditions
& the agelimit upto wich insurance will be available for them
admin says:
1. For the visitor over 70: You can consider the Liaison Majestic Insurance (comprehensive plan for both hospital and out-patient expenses) which offers limited coverage for stroke and heart attack due to a pre existing condition. Another plan you can consider is the Inbound Hospital Insurance (limited coverage plan for hospital expenses only) providing some coverage for a pre existing condition.
2. Asthmatic Condition: The Atlas America Insurance (comprehensive plan for both hospital and out-patient expenses) can provide coverage up to $15,000 for acute onset of pre existing conditions (for people below 70 years).
Please call us at 877 593 5403 or visit us on the web at http://www.nriol.net to get quotes and compare visitor medical insurance plans.
July 31, 2008, 5:20 pmTatiana says:
Searched health care coverage in msn but for some reason found this page.great info
October 17, 2008, 7:04 amTatiana says:
Very useful post. where can i find more articles about preexisting conditions coverage ?
October 17, 2008, 12:03 pm