Medical Insurance and pre-existing conditions
The purpose of insurance is to provide cover for an unexpected event happening after the start date of your policy, and for medical insurance it is for the cost of medical treatment for unforeseen medical conditions first manifesting themselves after your date of entry.
All insurers have different definitions in their policy wordings and it is very important to read and understand how each policy works. Some insurers also emphasizes that conditions related to a pre-existing conditions are excluded, again, reading the policy documentation before taking our your policy is essential. A related condition is typically defined as any disease, illness or injury that is caused by a pre-existing condition or results from the same underlying cause as a pre-existing condition.
For a pre-existing conditions to be covered it has to be fully declared on your health declaration and accepted by your insurance provider - conditions not declared will not be covered and all insurers conduct thorough investigations when claims are submitted. A few insurers may offer cover for a pre-existing conditions against a premium surcharge and it is evaluated on a case to case basis.
For Groups medical history disregarded may be offered from only 5 principal members (employees) and some insurers require 10 or 20 members.
Full Medical Underwriting
With this option you will have to complete a health declaration in respect of your medical history, and based on the information you declare, the insurer will advise you at the outset if there are any specific exclusions that will apply to your cover.
Is is normally advicable to choose full medical underwriting if If you have suffered from any type of serious and/or chronic medical condition. For example if you have ever suffered from any form of cancer, any type of heart or circulatory disorder, or any medical condition for which it is generally accepted medical advice that you should attend a regular consultation for on-going medical treatment or advice (including check-ups), or take drugs, medicines or injections, or follow a special diet.
Consult each insurers policy documentation for full information about terms and conditions.
Moratorium Underwriting
Some, not all, insurers offers this type of underwriting. Typically, with moratorium underwriting, after a certain period of continuous cover (normally two years), some pre-existing medical conditions will become eligible for benefit, subject to the terms and conditions of your plan, and provided you have not consulted any doctor or medical practitioner for medical treatment or advice (including check-ups), or taken medication, (including drugs, medicines, special diets or injections), or suffered symptoms for that medical condition, or for any related condition, for a continuous period of a period defined by the insurer.
You may consider this this option if you have suffered from a medical condition in the past, which is not a chronic OR a serious condition, for which you want cover should it recur in the future.
Consult each insurers policy documentation for full information about terms and conditions.
Before you take out cover
Please read and review all of the eligibility requirements, coverage conditions, and pre-existing condition exclusions/terms carefully before purchasing coverage. You are also responsible to make sure that the product you purchase online on this web page is licensed for you and your personal circumstances/country/territory where you spend the majority of your time.
The information contained in this website is not intended to be an offer to sell or a solicitation in connection with any product or service offered herein by our insurance providers, in any jurisdiction where such an offer or solicitation would be unlawful or in which our insurance providers are not qualified to do so. Products and services described in this website may not be available in all jurisdictions. The information contained in this website is not intended to be a complete description of all terms, exclusions and conditions applicable to the products and services. For a complete description, contact office (at) direct-health.biz or the insurance provider.
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Insurers we work with
Some of the insurance companies and providers we with work with are, but is not limited to, Allianz Worldwide Healthcare, Bupa, NHC / Nordic Health Care (Europeisk), Goodhealth, Aetna, William Russell, IMG, InterGlobal, ihi, MNU / HCC, Gouda, Expatriate Healthcare, ExpatPlus, Cigna, Clements, CMN Global, HTH, Integra Global, International SOS, Friends Provident and JBI.
We can provide cover for most of the following countries, regions and territories
Please also read the "Before you take out cover" section above.
Afghanistan ,Albania, Algeria ,American Samoa ,Andorra, Angola ,Anguilla, Antigua and Barbuda ,Argentina ,Armenia, Aruba ,Australia ,Austria, Azerbaijan, Bahamas ,Bahrain, Bangladesh, Barbados, Belarus, Belgium ,Belize ,Benin ,Bermuda, Bhutan, Bolivia, Bosnia-Herzegovina, Botswana, Bouvet, Island ,Brazil, Brunei ,Bulgaria, Burkina Faso, Burundi ,Cambodia ,Cameroon, Canada ,Cape Verde ,Cayman Islands, Central African Republic, Chad ,Chile, China, Christmas Island ,Cocos (Keeling) Islands, Colombia ,Comoros, Congo, Democratic Republic of the (Zaire) Congo, Republic of Cook Islands, Costa Rica ,Croatia, Cuba, Cyprus, Czech Republic, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador ,Equatorial Guinea ,Eritrea, Estonia, Ethiopia ,Falkland Islands ,Faroe Islands, Fiji, Finland, France, French Guiana, Gabon ,Gambia, Georgia, Germany ,Ghana, Gibraltar, Greece, ,Greenland, Grenada, Guadeloupe, (French) ,Guam, (USA), Guatemala, Guinea, Guinea, Bissau, Guyana, Haiti, Holy See, Honduras, Hong Kong, Hungary ,Iceland, India, Indonesia, Iran, Iraq, Ireland, Israel, Italy, Ivory Coast, Cote D`Ivoire, Jamaica, Japan ,Jordan ,Kazakhstan, Kenya, Kiribati, Kuwait ,Kyrgyzstan, Laos, Latvia, Lebanon ,Lesotho, Liberia, Libya, Liechtenstein, Lithuania, Luxembourg ,Macau ,Macedonia, Madagascar, Malawi ,Malaysia, Maldives ,Mali, Malta ,Marshall Islands, Martinique, (French) ,Mauritania, Mauritius, Mayotte ,Mexico, Micronesia ,Moldova ,Monaco ,Mongolia, Montenegro, Montserrat, Morocco, Mozambique ,Myanmar, Namibia, Nauru ,Nepal ,Netherlands, Netherlands, Antilles, New Caledonia, French, New Zealand, Nicaragua, Niger, Nigeria, Niue ,Norfolk, Island, North Korea, Northern Mariana Islands, Norway ,Oman, Pakistan, Palau, Panama ,Papua New Guinea, Paraguay, Peru, Philippines ,Pitcairn Island, Poland, Polynesia, (French) ,Portugal, Puerto Rico, Qatar, Reunion ,Romania ,Russia, Rwanda ,Saint Helena, Saint Kitts, Nevis, Saint Lucia, Saint Pierre, Miquelon, Saint Vincent, Grenadines, Samoa ,San marino, Sao Tome , Principe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Slovakia, Slovenia ,Solomon Islands, Somalia, South Africa, South Georgia, South Sandwich Islands, South Korea, korea, Spain, Sri Lanka, Sudan ,Suriname, Svalbard, Jan Mayen Islands, Swaziland ,Sweden, Switzerland ,Syria, Tajikistan, Tanzania, Thailand, Timor-Leste, East Timor, Togo, Tokelau, Tonga ,Trinidad, Tobago, Tunisia, Turkey ,Turkmenistan, Turks, Caicos Islands, Tuvalu, Uganda ,Ukraine, United Arab Emirates, United Kingdom, United States, Uruguay ,Uzbekistan, Vanuatu, Venezuela, Vietnam ,Virgin Islands, Wallis , Futuna, Islands ,Yemen ,Zambia, Zimbabwe, Africa, Asia, Australasia, Caribbean, Europe, Middle East, North America, South America, central America, America
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