No, you dont really understand what a pre-existing condition is. If you have high blood pressure, that is a PEA. If you have a heart attack whilst abroad, you're not covered.Bubble T wrote:That is standard. Insurance is for unforeseen events. Why would they insure you for a medical problem incurred before the date that you bought the insurance? That would be silly.Doctor Seuss wrote:Any pre-existing condition that you have had before is excluded from being covered
Things like diabetes, allergies, pregancies, even vitamin deficiencies.. all PEA's and not covered. People with these problems like to have these things covered, and top end travel policies will allow people with PEA's to claim.
A PEA is also any condition you may have, AND DID NOT EVEN KNOW ABOUT. If you had a brain annuerism and were sent for treatment and the doctor established the problem had been there for 2 years and you didnt even know about it, or never had any symptoms before, as long as the doctor could show that you the condition was existing before your insurance, you wouldnt be covered.
Sorry to be so anal.. used to work for a health insurer...
From experience I can say that if you have any problem that REQUIRES leaving Cambodia for emergency medical care just once, you would probably break even.If you pay $1300 a year for medical insurance, you'd have to break your leg twice and stay in SOS for a couple of nights every year just to break even.
I shouldnt be recommending health care anyway, considering I get my policy for free.