Do you cover Cataract Surgery
All of the in-patient plans offered by Pacific Prime will provide cover for medically necessary surgical procedures. In most cases, while surgical procedures like Cataract removal may not require an overnight stay in a hospital, these types of treatments will usually be covered through the in-patient portion of the plan. We can also provide policies which offer benefits for visual aids, such as glasses and contact lenses. Coverage for this type of benefit is usually obtainable in addition to the purchase of an in-patient policy.
It is important to note, however, that pre-existing medical conditions are normally excluded from coverage under an expat medical insurance policy. A pre-existing condition is defined as any medical condition which has displayed symptoms, required treatment, or of which the policyholder has been aware prior to enrolling on the plan. Insurance companies will typically handle a pre-existing condition in the following ways:
If the pre-existing condition is excluded from the plan then you will not be covered under the policy for the treatment of the condition in question, or any related symptoms of the condition. You are still able to obtain coverage on any medical treatment not related to that condition up to the applicable policy limits.
The insurance company may elect to impose a moratorium, or waiting period, on the coverage of the condition. In most cases the moratorium for pre-existing conditions will last for 24 months from the start of the plan. If, during that time, you have received no treatment or medical consultations for the condition, and if the condition has not displayed any symptoms, then it may be considered for coverage under the plan upon renewal of the policy.
Coverage with loading
For certain conditions the insurance company may consider the coverage of the pre-existing condition under the policy at the expense of a higher premium. Coverage with Loading will raise the policy premium, and is not available for all conditions. Typically available on a case-by-case basis, this type of pre-existing condition coverage will vary by insurance company.
Medical History Disregarded
If you are enrolling in an group international health insurance policy, then it may be possible to obtain a Medical History Disregarded (MHD) benefit under which all pre-existing medical conditions within the group can be covered by the plan. An MHD benefit is typically only available to groups with more than 20 members, but will allow for the treatment of medical conditions present prior to enrolling in the policy.
Plans provided by Pacific Prime are typically guaranteed renewable, internationally portable, and will allow you to use the hospital or doctor of your choice anywhere in the world. For more information about the opthalmology coverage we can provide, the different optical benefits we can offer, or to receive a free quote, please contact us today.
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