Chronic Conditions

Chronic conditions are defined as conditions that are only able to be managed and from which the patient will not recover. Examples of such conditions are hearth disease, diabetes, arthritis and asthma and whilst conditions can respond to treatment and medication it is likely that ongoing treatment will be necessary.

Since it is more likely that a chronic condition will affect an older person, younger expats often considers this cover unnecessary. However, if you are unfortunate enough to develop a chronic condition as a young person it is extremely difficult to obtain overseas medical insurance cover later as it will be seen as a pre-existing conditions.

Overseas medical insurance plans with full coverage, including chronic conditions, are naturally more expensive but also provide the most useful cover.

Generally speaking Overseas Medical Insurance companies place limitations and restrictions on the treatment of chronic conditions and in some cases will not provide any cover for any chronic condition.

Typically the general limitations are:

Acute Phases only.

This is when a condition ‘flares up' or requires special treatment over a short period of time. The policy is structured to cover the acute phases of a condition

Lifetime Limit.

The insurer will agree to a lifetime limit on chronic conditions. Treatment may be covered in the early years of the condition, however if the condition requires ongoing treatment no further cover may be provided as the limit may be exceeded.

Annual Limit.

The insurer will apply a limit to expenses during the year. Annual limits are frequently applied to palliative treatment as these relate most directly to treatment required every year.

Can you offer coverage in the Philippines for my family?
Pacific Prime works with over 55 leading international health insurance companies to provide global medical insurance plans that are specifically catered to expats living in areas all over the world. Philippines health insurance plans that we offer provide a range of coverage options and benefits, allowing you to tailor your policy to meet your specific needs. Our expert advisors are familiar with the unique and changing needs of expats and their families, given that their situation is likely to change over time. Worldwide coverage and guaranteed renewability are typically offered in the International Health Insurance plans we provide, allowing policy holders access to life time health care coverage in any area of the world. This means that if you decide to travel overseas on a holiday or return to your home country for a visit, our Global Health Insurance plans will provide you with comprehensive healthcare coverage, everywhere you need to go. 2011-02-01 17:58:18
Category: Coverage , Pre-existing , Family , Hospital , Emergency Evacuation , Individual , in-patient , out-patient	Read Answer Here
Can you provide old age health insurance in Hong Kong?
Pacific Prime can provide comprehensive Hong Kong health insurance to individuals of all ages, nationalities, and occupations. Expatriate health insurance policies which we work with are generally globally portable, and guaranteed renewable for life, giving you the assurance that no matter what happens, your health insurance policy will be able to provide you with the quality protection you deserve. 2011-04-14 12:04:27
Category: Coverage , China , Hospital , Individual , in-patient , out-patient	Read Answer Here