Student Insurance for Pre-Existing Condition Benefit

Pre-existing conditions are those health related conditions that could be injuries, diseases, physical or mental conditions that already exist in a person and in some cases the condition is maintained by taking regular medication at the time of the purchase of the insurance plan. Some insurance plans have defined it as "Any existence of symptoms in an ordinarily prudent person that would cause him to seek diagnosis, treatment or care within the 6 months immediately prior to the effective date under the insurance policy of the insured.

It is a special period during which the insured needs to wait for after the policy is effective to avail the benefits under the plan for some specific diseases or conditions where the insured needs to be covered. These conditions are pre-existing conditions and the waiting period for this in student insurance plans vary between 6 months to a year. It depends on the insurance plan. Each plan is different and has different waiting periods or no waiting periods.

Pre existing condition cover plans benefits include:

• Emergency medical evacuation due to pre pre-existing condition and sudden recurrence of the pre existing condition.
• The hospitalization expenses for the treatment of the sudden recurrence.
• The medications and treatments expense for the situation
• And any other covered expense listed in the plan for pre existing condition

With the pre existing condition plans, the insurer cannot raise the premium rates or the charge extra in lieu of pre-existing condition coverage which is included in the plan. the plan cannot deny coverage based on the health condition of the insured once the plan has been purchased and become effective. All other medical expenses must be covered as usual and not be affected by pre existing condition coverage.

In most cases, any condition or disease that is chronic or life long treated are usually excluded from coverage as pre existing condition:

• Cancer
• Alzheimer's
• Parkinson's disease
• Dementia

Some of the other pre existing conditions that are excluded normally, however get covered in a Pre existing coverage plan:

• Epilepsy
• Diabetes
• Lupus
• Sleep Apnea
• Pregnancy
• Kidney and Gall Bladder stones
• Arthritis...

Pre-existing conditions are usually excluded in the coverage in a travel medical insurance plan. If there is a pre-existing condition waiver available with the plan, then it is one of the important things that can be added to the plan. This will cover the excluded pre-existing condition if the eligibility requirements are met for the waiver to be applicable. In other words, the trip cancellation related or medical claims related expenses which might be excluded will now be covered when you purchase the plan with the waiver. This is helpful for travelers with chronic diseases the coverage for which will be waived when the waiver is applied. Eligibility for waiver:
Here are the eligibility criteria for the waiver:

• You need to purchase the travel insurance on the date of initial trip deposit or within 7 - 30 days of the same.
• You need to purchase the travel insurance for the full cost of the trip. Certain plans only insure the non refundable costs of the trip. In case of subsequent addition of this, you need to add that to the trip cost of the plan by the date of deposit.
• You need to be medically fit and stable to travel.
• You need to cover the entire trip and not just a portion of it.

The Student health advantage plan offered by IMG has two levels of coverage: Standard and Platinum. The Standard plan excludes charges for pre-existing conditions until after 12 months of continuous coverage. The Platinum plan excludes charges for pre-existing conditions until after 6 months of continuous coverage. This means that if you have a pre-existing condition, you will have to wait for 12 or 6 months (depending on your plan level) before the plan will pay for any medical expenses related to your condition.

Patriot exchange plans also offer some benefits for pre-existing conditions, such as:

• After the waiting period, charges for conditions existing within 36 months before the effective date can be covered up to $500 per period of coverage and $1,500 maximum limit.
• The plan offers up to a $5,000 maximum limit for a sudden and unexpected recurrence of a pre-existing condition.
• The plan covers medical expenses related to COVID-19 like any other covered medical condition if the virus was contracted after the policy effective date.

Yes, Study USA Standard and Budget offers pre-existing conditions after 12 months of a waiting period and Study USA Platinum offers pre-existing conditions after 6 months of a waiting period.

The student secure health insurance plan covers pre-existing conditions after a waiting period that varies depending on the level of coverage. The Elite and Select plans have a 6-month waiting period, the Budget plan has a 12-month waiting period, and the Smart plan does not cover pre-existing conditions at all.

Yes. Navigator for Student insurance covers pre-existing conditions with creditable coverage

Diplomat America insurance offers pre-existing condition after 24 months waiting period while Diplomat Longterm plan offers sudden recurrence of a pre-existing Conditions up to $20K; ($2,500 for age 65 and older).