A pre existing condition is defined as any condition, ailment or injury or related condition(s) for which the insured had signs or symptoms, which was diagnosed and for which the insured received medical advice/ treatment, within 48 months prior to commencement of the first Policy issued by the Insurer.
This means that if the insured is traveling abroad with a pre existing condition and avails of any treatment abroad, the insurance company will not be liable for paying the claim, unless its covered in the policy.
Some insurance companies offer a limited coverage subject to prescribed limits, terms and conditions, for medical expenses arising due to pre existing conditions, when the situation is Life threatening in nature. This coverage is only available till the insured traveller can be made medically stable.
| INSURANCE COMPANY NAME | Pre-existing Coverage Conditions | Approved Limit for PED Related Claims |
| TATA AIG Travel Insurance | Pre-existing Condition or any complication arising from it in a life saving unforeseen emergency condition | upto $1500 per policy period |
| Bajaj Allianz Travel Insurance | Covers declared pre-existing medical conditions or any complication arising from it under life threatening unforeseen emergency situations | upto $3000 per policy period ( On Payment basis - upto approved limit ) |
| CARE Travel Insurance | Declared pre-existing medical conditions are covered in case of Life threatening situations. | 10% of Sum Insured, Maximum up to $10,000 per policy period |
| Reliance General Insurance | Covers declared non critical pre-existing diseases under life threatening situations as per terms and conditions. | Pre - existing illness/diseases/injuries are not covered under any circumstances for 70+ travelers, Clitical illness are not covered. |
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