Benefits of Sharing Your Medical History with Your Travel Insurance Provider

Posted on: Feb 10, 2023 | | Written by:

Benefits of Sharing Your Medical History with Your Travel Insurance Provider

Published on February 08, 2023. EST READ TIME: 4 minutes

Sharing Medical History with Travel Insurance Provider

Travelling abroad is much more accessible than it was a few years ago. With abundant information available, you can easily map a plan and start planning for your next international trip. A good plan would include a travel insurance international policy, as well as it can protect you against a lot of potential contingencies and issues that might occur. However, to make the most of your insurance plan, it is essential that you disclose your medical history with your insurance provider. Here is all that you need to know about it.

What is past medical history?

Past medical history of an individual refers to any ailments, medical conditions, diseases or surgeries that one might have had in the past. Some of these medical conditions can become an impediment to getting travel insurance plans for you. Thus, it is a good idea to go through the finer points of your insurance plan, as such conditions might cause an issue with your insurance. Here are some of the medical conditions that can cause hindrance:

1. Any invasive surgery that you might have undergone recently.

2. Any medical issue that requires frequent visits to the doctor.

3. Any medical condition that you have warrants surgery.

4. Pre-existing chronic diseases such as cancer, renal failure, AIDS, high cholesterol levels, diabetes, etc.

Should you discuss your medical history with the insurance provider?

There are quite a few reasons why you must discuss your past medical history with your insurance provider. For starters, if you do not discuss these with your insurance provider, the premium that is calculated for your policy will be a bit low, thereby offering you an inadequate policy. The policy might lack some of the features.

On the other hand, if you discuss your medical history with your insurance provider, they are more likely to listen to your needs. They will be able to provide you with a policy and premium that meets your needs while offering the coverage that you are looking for. It can be particularly useful for international travel insurance since international expenses can be a lot more than domestic expenses. While some insurers offer a pre-screening before providing the insurance, it is a good idea to discuss your medical history with them.

Are there any benefits of sharing your medical history with insurance providers?

The presence of a travel insurance international plan can make things much easier for you. For starters, any delays in flights are well taken care of, as is any case of loss of baggage or theft or burglary. In simple words, yes, there are quite a few benefits of sharing your medical history details with your insurer. It will enable a better and more transparent policy before starting your international travel. Here are the top benefits of doing so.

1. Better customisation of the plan

As you disclose your medical history with your insurance provider, it allows for more customisations. Since your insurance provider is now aware of your medical history, they will be able to provide a policy that suits your needs. And in many cases, you can even customise the plan to meet your specific needs.

2. Help you during claims.

Disclosing your medical history to the insurance provider can be quite helpful during claims. Since all the information is already available with an insurance provider, it reduces their chances of rejecting any claims.

3. Compare insurance plans online.

When you disclose past conditions, it makes way for a more transparent policy buying experience. You can view which insurers offer coverage for your pre-existing conditions and which do not. You can compare different policies based on the coverage that you are looking for and zero down on an insurance provider.

4. Affordable insurance plans

It is no secret that medical treatment costs are quite high globally. The procedure cost can be a few times in foreign countries compared to the expenses in India. If you opt for a plan that does not offer adequate coverage, it can be quite expensive if there is a medical emergency. On the other hand, if you disclose your history, you are more likely to get a travel insurance plan that covers your pre-existing diseases. Thus, ensuring that any medical emergency is well taken care of financially.

5. Opt for Add-ons

Once you disclose the medical conditions, you will know which insurance providers cover those or not. This can search for a good policy much more accessible. However, if you do not find many providers covering specific pre-existing diseases, you can opt for add-ons instead. By paying a minimal premium, you will be able to get the required coverage.

6. Transparent experience

Overselling and overpromising are two common exercises among insurance providers. These can, at times, lead to claim rejections. However, when you disclose your medical history, you eliminate the chance of any rejections due to such medical conditions. Thus, ensure you have a more transparent experience with an insurance provider.

Top benefits of buying a travel insurance plan:

Some countries make it mandatory for travellers to buy a travel insurance plan or else they will not get a visa. However, there are quite a few benefits of buying a travel insurance plan to ignore in the first place. Some of them are as follows.

1. Medical emergency

If there is any medical emergency during your international travel, the policy will take care of any expenses arising from it. It makes even more sense to opt for senior citizen travel insurance , as the chances of any medical needs are higher.

2. Losses during travel

Loss of baggage during international travel is unfortunately common. There are quite a few examples and instances of people losing their luggage during transit or on flights. A travel insurance plan will ensure you can proceed with the trip without worrying about your lost luggage.

3. Changes to the itinerary

A lot of factors can bring about changes in the trip itinerary. A travel insurance plan is essential to accommodate such changes and take care of any cancellations. If you are planning to send your parents on an international trip, it is highly recommended to buy a senior citizen travel insurance plan.

Conclusion

Generally, you must disclose all your information to your insurance provider. This seemingly small bit can reduce the chances of policy rejections by a large margin. If you want your next international trip to be as seamless as possible, make it a point to buy international travel insurance. And remember to disclose any medical history you or other travellers might have. It can be quite helpful, as mentioned above.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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