Travellers with health problems, sometimes inadvertently or even deliberately neglected to declare a pre-existing medical conditions when purchasing travel insurance. For those who are new to the travel insurance is a very important issue and worth taking the time to research and understanding.
When you purchase travel insurance, which is often done online these days, you will be asked to declare pre-existing health problems. Obviously, a serious condition such as heart disease and cancer must be declared. However, on May or May not be obvious that pre-existing medical problems also include the more common diseases and conditions such as asthma, high blood pressure, diabetes, and all recent investigations, diagnosis, or hospital stay.
Younger people are heading off on a gap year and adventure trips around the world can not think that this section refers to them, because they are young and good health. However, regardless of age travel rules are the same. Registration of pre-existing medical conditions related to all, regardless of how they May be healthy at the time they book travel and buy osiguranje.Dobar basic backpacker policy should also include coverage for medical expenses, air ambulance and medical repatriation -. But all pre-existing conditions must be declared
The bottom line is that if you declare the state of health, and then experience a medical problem related to the state, while overseas your insurance provider is very likely that they will refuse to cover their claims - and it could become very costly indeed. May some people decide not to declare a state where to buy insurance because they are afraid to make premiums too expensive, but it is a false economy.
In some cases, there May be an increase in premiums for the purchase of travel insurance to cover pre-existing medical condition, but it is better to be honest and pay a little more than a person to pay for hospital treatment abroad if the worst should happen. Paying a little more for their policies and have peace of mind knowing that you are covered by the key, and could save you a bundle if a problem occurs. Would not it also be nice to know that the insurance lifeline call if you have a disaster, and useful voice to persuade and guide you.
is very important that you report any pre-existing conditions, not just the ones you think are serious. Less serious medical conditions can not seem to be important, but sometimes, when present in combination with other conditions, the insurer is considered higher risk and charge May be required.
If you have a European Health Insurance Card (EHIC) and travel to another EU country you may falsely believe that travel insurance is not necessary, or that the embassy will not pay their bills. Although a valid EHIC should cover most of their hospital costs, it can vary from country to country and the EHIC does not cover treatment for non-urgent or ongoing treatment, or to cover medical return.
If you are seriously ill abroad, or go skiing and sustaining an injury like a broken leg, returning home can be delayed or May you need medical repatriation - perhaps with the purchase of additional seats in the plane and medical pratnje.EHIC not covers the cost of this kind, but a good travel insurance policy should be. If your medical problem is found to be related to previous disease or condition that does not declare a risk to your insurance claims denied. They tried to hide or ignore pre-existing medical conditions simply not worth it.
before you are tempted to buy a very cheap travel insurance policy, or choose the first policy that comes at the comparison site, or purchasing any policy for that matter, always make sure to provide adequate cover for medical expenses and includes air ambulance and medical repatriation.
Double-check the policy conditions to ensure that all your planned activities included. If you are unsure or confused about any aspect of insurance is best to contact the company for clarification, and not left to chance.
your travel destination needs to be taken into account, especially if you travel to developing countries or remote areas where medical facilities may be limited or inadequate. There is always a chance that you May have to be transferred from the air ambulance in a neighboring country for treatment. This would obviously result in huge costs and no travel insurance you or your family will be left alone to pay the bill.
If you are unsure whether you should declare any medical condition the best option is always to proclaim it - or ask for advice. Do not leave this important matter to chance or luck and risk ruining your trip. It could be a costly and unnecessary mistake.
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