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The question and description often arises in terms of medical insurance and medical insurance coverage of “pre-existing illness”.

Specifically medical insurance coverage may not cover or include “pre-existing illnesses or pre-existing conditions”.  What does this mean and what are the implications as well – both to you, your family and loved ones – and as well to your abilities to be insured and as well covered for treatment by your medical insurance plan ?

In a nutshell what this means is that if you had the illness previously – or even if was suggested in a medical diagnosis and you did not disclose or detail this on your submission and application for medical benefits coverage – then the insurance company has every right not to provide coverage.  It is the patient’s and insured policy holder’s responsibility not the insurance company.

It is a similar case and situation to a person who has a heart condition – wishes and plans a trip for a wedding to Baltimore in the US – and proceeds either to not tell or disclose her pre-existing heart disease – having had a history of cardiac trouble with documented heart attacks and treatment by a recognized cardiologist .  That person, patient , may of gotten away taking  the chance before and simply thinks that “they will get away with it again”  – that the chance of a cardiac attack or cardiac illness returning or being an issue or problem on a simple family wedding trip are slight if not unlikely.  Most likely – they “got  away”  with it before – its a simple chance of low probability.   Its all worth the risk.

The problem is that the insurer in this case ( the travel medical insurance coverage) , can easily dispute the claim – based on the well documented fact – with background medical documentation and records , that the illness – in this case – documented cardiac illness – had occured previous to purchasing the policy.  The claim can simply and legally correctly be denied.  The insured will be out of pocket themselves.  No amount of protestations  or twisting of facts will change the case and situation.  It is a simple as that.  It is the responsibility of the insured to disclose the facts – not the responsibility of the company to discover hidden or undisclosed facts and medical history and histories.  Clerks and agents cannot be held liabile as well.  On making and completing the insurance coverage application for the policy itself and requests for benefts and coverage various legal forms are signed by the applicant.  It is the responsibility of the applicant for medical insurance coverage to disclose all. Simple as that.  Otherwise the insurance company can deny claims.  Simple as that.  On top of that an insurance company that has been provided false , misleading or fraudulent information – has the responsibility to file this information to its industry sources – alerting the industry  of this history – making it more difficult if not more expensive and maybe not possible for the insured to obtain medical insurance coverage from other insurance carriers.

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Medical Tourism Blog: BUPA Insurance for Medical Tourists – Lastly, this is an informative blog, and we are dedicated to bring you the latest news and developments and expert opinion regarding medical tourism. We are not in any way affiliated with BUPA, BUPA International or any of their subsidiaries or … Perhaps you can also speak to CIGNA and Aetna for more info about coverage for overseas treatment. They are players in the international scene. If you;d like, you can email me re; med travel and insurance issues etc…. cheers! …

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One concern regarding what is called “medical tourism”  or  alternatively “medtravel” is the cost of  medical complications.

Complications can occur following any medical treatment , treatments or procedures.  It is of course a matter of numbers and stats.  It is not only  nosocomial or hospital borne infections that are of issue here. Complications resulting from medical treatments and therapies do occur on a predictable basis.  Nosocomial infections just by themselves are estimated at a rate of 5 to 10 % of therapies and treatments.  With enough time and patients medical complications do occur in some treated patients.  It is not unlike the computer information technologies adage concerning replacements of hard drives and  a regime of data backups.  It is not a matter of if it is a certainty. It is a question of when.

To this purpose it is first of all important to choose a reputable overseas medical facility with not only a good record , but good access for communication and at least some overseas ( in the industrialized world ) trained specialist medical and support staff.

This way if problems do occur quick and effective two way communications can be afforded.

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Check before therapy if your health care medical plan will cover or not cover emergency problems.  It is highly unlikely that you will be put on a plane back to the health care facility both from a cost standpoint and logistical standpoint – you will hardly be in  a state to travel.

If you are actually being sent by your medical health care insurance plan for quicker or less expensive medical care this should not be an issue – there are legal and insurance concerns here for the carrier.  If you are having your travels professionally arranged – then the agency or service may arrange at home complication follow up care as a matter of course and procedure.  Lastly if you are being covered by yourself check ahead of time if your health care insurance carrier will cover this care if need be or will call it  a “pre-existing condition ” of sorts and not their direct responsibility .  If you are self insuring through your own resources make sure that you have not stretched out your financial resources to the hilt and have no financial or medical backup what so ever.

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