Can a German in Thailand receive coverage | ||
Question: It is important to note however, that pre-existing conditions will typically be excluded from coverage. Pre-existing conditions are deemed to be any medical condition which has displayed symptoms, required treatment, or of which the policyholder has been aware prior to obtaining a global health insurance policy. Most international insurance companies will deal with pre-existing conditions in one of the following ways: Exclusion The insurer may elect to exclude the condition from coverage under the plan. If the condition is excluded from coverage then the plan will not cover the cost of treatment for that condition nor any related conditions or symptoms. Moratorium The insurer may opt to offer the policyholder coverage with a waiting period – also known as a moratorium. The usual moratorium for a pre-existing condition is typically 24 months from the start of the plan. If the condition has required no treatment, no medical consultations, and no form of medication, then the insurer may elect to cover the condition upon the completion of the moratorium period. Coverage with Loading In some cases it may be possible to obtain coverage for the pre-existing condition by paying a substantially higher policy premium. It is important to note that this option will not be universally available and that this type of coverage will depend on the insurance company and policy that you choose to work with. Not every insurance company will offer coverage with loading, and not every pre-existing condition will be eligible for coverage. Medical History Disregarded When applying for a group health insurance policy it may be possible to obtain a plan that offers a Medical History Disregarded (MHD) benefit. Under MHD all pre-existing conditions for all group members will be covered by the policy. It is important to note, however, that Medical History Disregarded will typically only be available for groups with 20 or more members. We can provide you with a number of comprehensive options for your coverage in Thailand. Our dedicated advisors will work with you to ensure that your specific healthcare objectives are met. In many cases we are able to customize the expat health insurance plans that we offer to meet individual requirements. This gives you the security in knowing that while you are overseas you will have the protection that you need. For more information about health insurance in Thailand, the international health insurance plans that we can provide, or to receive a free quote, please contact us today. |
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