Health insurance companies protect themselves by excluding certain items from coverage. This is a means of insulating the company from false or exaggerated claims. Visitors insurance makes the same reservations and there are exclusions in every plan.
A visitors insurance policy will typically exclude coverage of illnesses caused by pre-existing conditions. As an example, a customer who suffers from a condition causing seizures will not receive coverage of medical treatments related to a seizure incident. This practice ensures a visitor medical insurance provider is not covering continuous issues that were present at the time of purchasing the plan.
Another common exclusion of visitor insurance is against visitors who travel to another country for the purpose of seeking treatment for an illness. This is obviously unfair to the visitors medical insurance provider. Similarly unfair is when visitors travel against the advice of their primary care physicians.
Many types of cosmetic surgery are not covered by visitor health insurance. The types which can be covered are some reconstructive surgeries which are necessary because of an injury or illness which took place while on the trip.
Injuries incurred during dangerous activities, such as rock climbing, horse racing or auto racing will not be covered by visitors insurance policies. Scuba diving is almost always excluded from coverage. Optional coverage riders are available, however.
It goes without saying that any injuries suffered while engaging in illegal activities will not be covered by any health insurance for visitors. Criminal activities and the injuries they cause are not covered by any policy, for that matter, and a visitor insurance policy is no different in that regard.
Visitor insurance policies will typically deny coverage for pregnancy and sexually transmitted diseases contracted while abroad, as well. Because these are self-inflicted problems, the visitor insurance company will regard them as avoidable and not subject to their coverage plans, and better treated at home.
health insurance for visitor carries quite a few exclusions, but the illnesses and injuries which are covered more than make up for the exclusions. Most people rarely encounter situations which void payment of a claim. Travelling abroad without visitors insurance is simply unsafe.
A visitors insurance policy will typically exclude coverage of illnesses caused by pre-existing conditions. As an example, a customer who suffers from a condition causing seizures will not receive coverage of medical treatments related to a seizure incident. This practice ensures a visitor medical insurance provider is not covering continuous issues that were present at the time of purchasing the plan.
Another common exclusion of visitor insurance is against visitors who travel to another country for the purpose of seeking treatment for an illness. This is obviously unfair to the visitors medical insurance provider. Similarly unfair is when visitors travel against the advice of their primary care physicians.
Many types of cosmetic surgery are not covered by visitor health insurance. The types which can be covered are some reconstructive surgeries which are necessary because of an injury or illness which took place while on the trip.
Injuries incurred during dangerous activities, such as rock climbing, horse racing or auto racing will not be covered by visitors insurance policies. Scuba diving is almost always excluded from coverage. Optional coverage riders are available, however.
It goes without saying that any injuries suffered while engaging in illegal activities will not be covered by any health insurance for visitors. Criminal activities and the injuries they cause are not covered by any policy, for that matter, and a visitor insurance policy is no different in that regard.
Visitor insurance policies will typically deny coverage for pregnancy and sexually transmitted diseases contracted while abroad, as well. Because these are self-inflicted problems, the visitor insurance company will regard them as avoidable and not subject to their coverage plans, and better treated at home.
health insurance for visitor carries quite a few exclusions, but the illnesses and injuries which are covered more than make up for the exclusions. Most people rarely encounter situations which void payment of a claim. Travelling abroad without visitors insurance is simply unsafe.
About the Author:
Ray Sondeo often writes about health and travel insurance.
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