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Pre-Existing Condition Plans Acute onset or Pre-existing coverage options

How Pre-existing Condition Coverage works?

Pre-existing Condition is any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom, whether or not previously manifested or known, diagnosed, treated, or disclosed. Most of the plans cover only Acute onset of a preexisting condition. The restriction on how acute onset of a preexisting condition coverage is based on the insurance carrier which we choose. But the common definition of Acute onset is - A sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs 1) spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent medical care; 2) after the Effective Date; and 3) prior to the age shown in the Schedule of Benefits/Limits. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

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Acute Onset of Pre-Existing Condition plans:

Low-Cost Limited Schedule of benefits Options

In the event an insured person experiences a Stroke or Myocardial Infarction (Heart Attack) while the certificate is in force, and the condition is deemed to be pre-existing, the plan will cover those expenses associated with said condition up to a maximum of $5,000 for ages 0 - 69 and up to $2,500 for ages 70+.

Covers a sudden and unexpected recurrence of a Pre-existing Condition while outside the Insured Person's Home Country and does note include coverage for know, scheduled, required, or expected medical care, drug or treatment existent or necessary prior to the Effective date of coverage. Available upto $25,000 per policy period or $50,000 per policy period depending on the plan option you select.

VisitorSecure has four plan options that are available: from $50,000, $75,000, $100,000 & $130,000 Schedule of Benefits and Limits. If you got involved in accident and if you are injured you can get medical care and VisitorSecure® Plan Insurance will take care of you. Coverage includes Inpatient care, Outpatient Care, Ambulance, surgical expenses, prescriptions drugs and doctor's visit. The also cover the Acute onset of pre-exiting condition (Under age 70) $50,000, $75,000,or $100,000 lifetime maximum for eligible expenses $100,000 lifetime maximum for eligible expenses- $25,000 lifetime maximum for emergency medical evacuation

Sudden Onset of a Pre-existing Condition -$50,000 Maximum Limit for Medical Benefits, subject to Schedule of benefits Up to Age 69 - ($25,000 Maximum Limit for Medical Evacuations) If you have a prior health condition which suddenly and unexpectedly asserts itself during your travel, the OverseasCare™ VisitorsInsurance™ Plan does provide a limited amount of coverage to help mitigate this unpleasant surprise. The OverseasCare™ VisitorsInsurance™ Plan offers coverage up to $50,000 (including emergency medical evacuation) for existing conditions which are not undergoing treatment, including medication or therapy of any kind. Enjoy peace of mind, even if your health history has a few blemishes with this powerful benefit.

Acute Onset of Pre-existing Condition(s) - (This benefit is not available if you are 70 or older) $50,000, $75,000, $100,000 & $130,000 per policy period for Medical Expense benefits (subject to the sub limits for Benefits shown above) & $25,000 per policy period for Emergency Medical Evacuation

Acute Onset of Pre-existing Condition(s) - (This benefit is not available if you are 70 or older) $25,000, $45,000, $65,000, $85,000, $120,000 per policy period for Medical Expense benefits (subject to the sub limits for Benefits shown above) & $25,000 per policy period for Emergency Medical Evacuation

Comprehensive Coverage Plans Options

Acute Onset of Pre-existing Condition prior to age 79 – Plan-A & B: Ages up to 69: Up to lesser of Medical Maximum or $100,000 or Ages 70-79: Up to lesser of Medical Maximum or $35,000 and Plan C: Ages up to 69: Up to the medical maximum.

Acute Onset of Pre-existing Condition (only available to members younger than 70) Limited benefit up to the medical coverage maximum (excludes chronic and congenital conditions). $25,000 lifetime maximum for emergency medical evacuation.

Acute Onset of Pre-existing Condition prior to age 70 - Covers up to URC(Usual reasonable Customary) - A sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs 1) spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent medical care; 2) after the Effective Date; and 3) prior to the age shown in the Schedule of Benefits/Limits. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A Pre-existing Condition which is a chronic or congenital condition or that gradually becomes worse over time and/or known, scheduled, required, or expected medical care, drugs or Treatments existing or necessary prior to the Effective Date are not considered to be an Acute Onset

Acute Onset of Pre-Existing Condition(s) per Policy Period Subject to the sub limits for each benefit listed : Sudden and Acute Onset of a Pre-Existing Condition – For ages up to and including 69 the limit is up to the Medical Policy Maximum purchased per Policy Period except for any coverage related to cardiac disease or conditions, which will be limited to $25,000 up to and including age 69 and $15,000 for ages 70 and above. Upon attaining age 70 benefits will be reduced to a Medical Maximum of $25,000, with a $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation. Provides coverage for an Acute Onset of a Pre-Existing Condition. Any repeat/reoccurrence within the same Policy Period will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage. A Pre-Existing Condition which is a chronic or congenital condition or that gradually becomes worse over time and/or known, scheduled, required, or expected medical care, drugs or treatments existing or necessary prior to the Effective Date are not considered to be an Acute Onset. This benefit covers only ONE (1) Acute Onset episode of a Pre-Existing Condition. Sudden and Acute Onset of a Pre-Existing Condition Coverage expires upon medical advice that the condition and Onset is no longer acute or you are discharged from a medical facility.

(Non U.S. citizens only) For those under age 65, the Plan will pay up to a $50,000 lifetime maximum for eligible medical expenses. For those ages 65 and older, the Plan will pay up to $2,500 lifetime maximum. In addition, up to $25,000 will be paid for the eligible costs and expenses of an Emergency Medical Evacuation arising or resulting from a sudden and unexpected recurrence of a Pre-existing Condition.

The Beacon Series offers coverage for a prior health condition, which suddenly and unexpectedly asserts itself during your travel, but has not received ongoing treatment, which would include medication or therapy of any kind for the past 730 days. Policies purchased with a Maximum Limits of $110,000, $550,000, or $1,100,000 offer coverage for Eligible Expenses up to $150,000. Policies purchased for all other Maximum Limits offer up to $50,000 and up to $25,000 when related to an Emergency Medical Evacuation. The Sudden Onset of Preexisting benefit is only available to Participating Members under the age of 70. With this powerful benefit, you will enjoy the peace of mind knowing you have coverage, even when your health history has a few blemishes.

ACUTE ONSET Non-U.S. Residents under age 70 traveling in the United States We pay up to $25,000 (ages 65-69 limited to $2,000) for an acute onset of a pre-existing condition if it occurs during your coverage period while you are in the United States, and if you receive treatment in the United States within 24 hours of the sudden and unexpected recurrence.

ACUTE ONSET Non U.S. Residents under age 70 traveling in the United States We pay to the stated limit for an acute onset which occurs during your coverage period if you receive treatment within 24 hours of the sudden and unexpected recurrence. A condition that is congenital or gradually worsens over time is not covered. Also, there is no coverage for known, required, or expected treatment existent or necessary for 36 months prior to your coverage. A pre-existing condition is not covered if you had a prescription or treatment change for a diagnosis related to the acute onset 30 days before the onset.

Pre-Existing Condition(s) as used in this Certificate shall mean any medical condition, Sickness, Injury, Illness, disease, Mental Illness or Mental Nervous Disorder, regardless of the cause including any Congenital, chronic, subsequent, or recurring complications or consequences related thereto or resulting therefrom that with reasonable medical certainty existed at the time of application or any time during the 36* months prior to the Effective Date of Coverage under this Certificate, whether or not previously manifested , symptomatic, known, diagnosed , treated or disclosed. This specifically includes but is not limited to any medical condition, Sickness, Injury , Illness, disease , Mental Illness or Mental Nervous Disorder, for which medical advice, diagnosis, care or Treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the 36 month period immediately preceding the Effective Date of Coverage under this Certificate. *For Insured Persons traveling outside the United States, the period is 12 months instead of 36 months.

Insurance Carriers
Plans & Benefits Available
Administrator : HCCMIS
Carrier/Underwriter : Lloyd's of London
AM Best Rating : A+ (Superior)
BBB Rating :AA (Very Strong)
  • VisitorSecure Insurance
    Low Cost Fixed benefit plan
    • Foreign Nationals (Parents/relatives) Visiting to USA
    • Fixed benefit protection for basic medical expenses.
    • Available for ages 14 days to 79.
    • Renewable up to 364 days
    • Covers Acute Onset of Pre-Existing Conditions for under age 70.
  • Atlas Travel® Insurance
    100% coverage In PPO for US Visitors
    • Direct Billing
    • Deductibles are available from $0 to $2500
    • Plan pays 100% after the deductible In PPO
    • Renewable up to 364 days
    • Covers Acute onset of Preexisting condition for under age 70
Administrator : International Medical Group
Carrier/Underwriter : Sirius International
AM Best Rating : A Excellent
BBB Rating : A+
Administrator : Trawick International
Carrier/Underwriter : GBG Insurance Limited
AM Best Rating : B++
BBB Rating : Best's Issuer Credit Rating
  • Safe Travels For Visitors To The USA
    Low-cost Schedule of Benefits Plan
    • Foreign Nationals (Parents/relatives) Visiting to USA
    • Acute Onset of Pre-existing Condition(s) - for Medical Expense Benefits
    • Available for ages 14 days to 89
    • Deductible Options: $0, $50, $100 or $200
    • Policy Limit - $25,000 to $175,000 Max per Injury/Sickness
    • Benefits options: Basic, Silver, Gold, Platinum & Diamond age 50 to 89
  • SAFE TRAVELS U.S.A COMPREHENSIVE
    Comprehensive plan – covers Acute onset of Pre-Existing Condition
    • Comprehensive plan for Foreign nationals visiting U.S.A
    • Acute Onset of Pre-existing Condition(s) - for Medical Expense Benefits
    • $50,000 to $1,000,000 medical benefit based on age.
    • Deductible options: $0, $50, $100, $250, $500, $1000, $2500 & $5000
    • Co-Insurance: 80% of the first $5,000, then 100% to policy maximum.
Administrator : Azimuth Risk Solutions
Carrier/Underwriter : Lloyd's of London
AM Best Rating : A+ (Superior)
BBB Rating : AA (Very Strong)
  • OVERSEASCARE VISITORSINSURANCE PLAN
    Low-cost Schedule of Benefits Plan
    • Short Term policy 5 days-2 years
    • Foreign Nationals (Parents/relatives) Visiting to USA
    • Sudden onset of a Pre-existing Condition(s) benefits
    • Deductible Options: $100, $250 or $500
    • Available to any age ( No age limits)
    • Policy Limit: $60,000 - Basic, or $110,000 Premier options
    • Age 80+ $55,000 Max per Injury/Sickness
  • The Beacon Travel Series
    Short Term Comprehensive plan- 5 days to 2 Yrs
Administrator : Seven Corners
Carrier/Underwriter : Lloyd's of London
AM Best Rating : A Excellent
BBB Rating : A+