Pre-Existing Medical Conditions
Medical Travel Insurance
When you head out for a vacation, especially to a different country, it is highly recommended that you own a medical travel insurance. Nobody expects to get hurt, but if something does pop up in the middle, you actually want to be sure that you get the best care, without worrying about the medical costs.
There are numerous benefits to having medical travel insurance. Just own it and be protected. Have a glance over certain of its benefits:
Get wise and better medical care. If you have a car accident while travelling, you will more than likely require medical attention. Not all countries follow the same system, so you might be directed to a free hospital or clinic if you don’t have sufficient money. These places are infamous for doing poor work, while many travellers believe the Australian Government will pick up the bill which isn’t the case. There are only a few countries with reciprocal health agreement with Australia! In this case, your medical travel insurance covers medical and hospitalization.
Choose your own trip length. You can buy medical travel insurance to cover a particular time period, ensuring that you’re covered the whole time you’re out of the country. In case you’re travelling in and out of the country over the year, it’s actually wise and best to buy an Annual Multi Trip policy. This will cover multiple trips up to 60 days back and forth from Australia. You’ll realise that it’s cheaper and you’re protected on every trip, and not just one.
Urgent medical evacuation. There are times and circumstances that local hospitals are not outfitted to deal with your medical issues. If you land up with something that they can’t treat or don’t possess the equipment to treat your injuries correctly, you will require medical evacuation which should never be overlooked on any medical travel insurance policy. This doesn’t necessarily mean you will be sent back to Australia, instead, you may be moved to a hospital that is nearby that is equipped to handle your medical condition.
Medical travel insurance is something that every traveller must consider. You seriously don’t desire to end up sick or injured on your vacation and with no options. Medical travel insurance enables you to attain the best care and not having to worry about the cost, so you can just focus on recuperating and enjoying the rest of your vacation.
Are you suffering from a Pre-Existing Medical Condition and uncertain whether you will be eligible for medical cover when travelling?
Travel Insurance Saver offers automatic coverage for an array of medical conditions. Also, optional medical coverage for High-Risk Medical Conditions is available on International Comprehensive, Annual Multi Trip, and Australian Travel Plan policies.
To view medical conditions which are automatically covered for free, and High-Risk Medical conditions use the link below:
Although some conditions are automatically included for free, if your health is under investigation we suggest getting confirmation with QBE or calling Travel Insurance Saver to double check that your condition will not impact on your medical coverage in the event unforeseen circumstances occur as a direct result of your condition.
If your Pre-Existing Medical condition falls under the category of a High-Risk Medical Condition listed on our EMC page then you must disclose this condition and the details of your health to QBE in order to ensure that you are covered in the event you are hospitalised or your trip is affected due to repercussions of your condition whilst travelling.
If your High-Risk Medical condition is not disclosed, then you will not be eligible for coverage related to your condition.
Medical conditions are of up-most importance when it comes to the duty of disclosure. If you are uncertain of whether you should disclose your condition or not, follow the link provided above to our EMC page or call us.
Cover yourself at every avenue when you are taking out a travel insurance policy, read your coverage benefits in conjunction with the Product Disclosure Statement associated with your policy.
Please note that all travellers 80 years of age or over are required to apply for Existing Medical Condition coverage, regardless of their health.
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