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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:

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+.

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

Sudden and unexpected recurrence of a Pre-existing Condition : Up to the Maximum Policy Limit per Period of Coverage up to age 69.Up to $25,000 per Period of Coverage Upon attaining age 70 Maximum Lifetime Limit for Emergency Medical Evacuation $25,000. See Limitations/Exclusions contained herein.

(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.

If you are under age 70, you are covered for an acute onset of a preexisting condition. Coverage is available up to $100,000 lifetime maximum for eligible medical expenses for all policy maximums greater than $50,000. Individuals who have a $50,000 policy maximum are entitled to a $50,000 maximum benefit for the acute onset of a preexisting condition. This also includes a $25,000 lifetime maximum for emergency medical evacuation.

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.

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.

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 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

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

Insurance Carriers
Plans & Benefits Available
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 : 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