The Fine Art of Reading the Fine Print-IV: More on Exclusions

The last part of the visitors??? medical insurance policy contains plan exclusions. Exclusions are conditions not covered by the policy. If you think that your situation comes under the exclusions of a policy, here are some things which you might want to do:

The exclusion list needs to be thoroughly examined before taking up a policy. Having a pre-existing condition does not necessarily mean that you are not eligible for insurance. Some policies cover pre-existing conditions also with a limitation clause. Other policies further limit the maximum benefits depending on the insured???s age. Examine various policies to select the one suitable for your condition.

For senior citizens who have a pre-existing condition, it is vital to get a health check up done in their home country before visiting the United States. Excess or strenuous travel within the United States must be avoided. Illnesses due to change in weather or food habits are covered by the policy, so they can heave a sigh of relief!

In spite of taking precautions, if you still need medical help, you might still be eligible for a lower rate for medical care. Check if a non-profit or charity hospital is nearby. If you are in an emergency situation, call 911. Check if there are any discount schemes or flexible payment programs that might cover you or your sponsor.