Tourists with pre-existing medical conditions need to declare their conditions, especially when they are traveling. If they do not do this and fail ill abroad, you will not be covered by your insurance policy. No matter what condition you have, you need to declare it.
What is Travel Insurance Medical Screening
Medical screening is a multiple choice questions and simple questions that will determine your condition when you choose to buy travel insurance. Some of the questions are personal but answers given are confidential. It is essential that you will answer questions accurately to ensure that your condition will be properly covered.
What Health Screening Questions Will be Asked
Before you begin travel insurance medical screening, you need to present medical declaration. You need to tell what type of medical condition you have. Depending on the condition you have, you will be asked about different medications that you have taken, whether you were diagnosed or admitted in hospital. If you are not sure about why you are taking it, it is better to talk to your doctor.
Screening questions are easy so you should not worry. It is important for the doctors to know what is relaly your condition and what you feel. Be sure that you answer the questions with honesty to avoid mistakes.
Declare Conditions and Exclude Others
Keep in mind that you cannot declare some conditions and exclude others. What you can do is to buy standard insurance excluding others for pre-existing medical condition. When it comes to online travel insurance, you should know that you cannot pick and choose what you want.
If you want to have a good insurance when you decided to travel abroad, do your best and choose carefully what plan is good for you. Make a good choice because it is for your health and not for any other things.
How Medical Condition Affect Cost of Travel Insurance
There are numerous medical conditions that can be covered with no additional charge, but it is still necessary to declare them. Severity of condition will determine the level of additional premium being required. If your illness is severe or it is unstable, you need to pay more for travel insurance.