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.

How can i apply for an expat medical insurance plan?
Pacific Prime is able to help and advise you through the entire process of purchasing an expatriate medical insurance plan. After consulting with one of our expert advisors about the plan that is most suited to meet your specific needs, we will provide you with the necessary application form. Once you have completed the application simply return it to your advisor; we will contact you once the application has been completed and your coverage is in place. 2009-10-23 08:48:46
Category: Coverage	Read Answer Here
Can you offer coverage in Laos?
Pacific Prime provides International Health Insurance coverage to individuals in any area of the world, including Laos. Laos Health Insurance which we can offer will typically afford a range of different coverage options to suit the needs of expatriates living within the South East Asian region. Our Expat Health Insurance plans are normally globally portable, and as such will provide coverage anywhere in the world. With worldwide cover, you can use your medical coverage in any area of the world; whether you’re traveling or visiting your home country. We also understand that circumstances change, so if you decide to move to another country or return to your home country, our global health insurance plans allow you to take your policy with you. 2011-01-25 09:26:01
Category: Coverage , Family , Hospital , Emergency Evacuation , Individual , in-patient , out-patient	Read Answer Here