5 Important Facts About Medical Insurance with Pre-Existing Conditions

As an expatriate in Thailand, health insurance with pre-existing conditions may be harder to obtain but can prove essential. While health insurance in Thailand is highly competitive in global terms, it is still beyond the reach of all but the wealthiest uninsured individuals. If you find yourself in need of expert medical care for days, weeks, or even months, the total treatment cost could wipe out your savings and force you to live more frugally. With this in mind, it’s easy to see why learning about insurance for those with pre-existing conditions is so important. Today, we’re discussing 5 important facts about policies covering pre-existing conditions in Thailand. 

If you’re more concerned with finding a cost-effective solution that provides you with health insurance for pre-existing ailments in Thailand, you are in the right place. At Pacific Cross Health, we have expat healthcare plans tailored specifically to solve this thorny issue. Our plans with pre-existing conditions coverage are designed to meet the needs of foreign residents with chronic health conditions, allowing them to live their dream lifestyles without unnecessary stress or worry.

Facts About Health Insurance with Pre-Existing Conditions

Health insurance that covers pre-existing conditions is a valuable asset for people who wish to live and travel overseas:

• Ability to Travel With Ease 

Travelling with chronic health conditions such as hypertension and diabetes can be very challenging, especially when you lack adequate coverage for conditions that are defined as pre-existing. Health insurance for such conditions is required by many countries and those who cannot provide proof of insurance may be denied entry (you can request a pre-existing condition definition from each country you intend to visit). Living and working in another country for several years can be even more challenging if you suffer from chronic health conditions. However, it doesn’t have to be this way. When you have health insurance with pre-existing conditions, you can travel the world with ease, safe in the knowledge that you can pay for healthcare whenever it may be needed. The fact you can enjoy freedom of movement and life in a tropical paradise when you purchase a policy covering pre-existing conditions is of great importance to many of us.

• Special Considerations 

No matter what pre-existing conditions you suffer from, it may be possible to find a policy that allows you to live and travel in Thailand without worrying about healthcare costs. Progressive insurers, such as ourselves, consider requests for health insurance with pre-existing conditions on a case-by-case basis, which means it is always worth asking. No insurer can guarantee acceptance without reviewing your medical history and current circumstances, but insurers specialising in coverage for pre-existing conditions are always willing to listen. The fact there is always hope when looking for such insurance is not just important to many people it’s also very reassuring. Whatever your plans for the future, you should be able to find an insurer willing to accommodate your needs as far as healthcare coverage is concerned.

• Full Disclosure Required 

Whether you decide to purchase health insurance with pre-existing conditions from Pacific Cross Health or another insurer, it’s important to remember that full disclosure is a requirement. This applies to all types of healthcare industry insurers and all types of health insurance. Denial of any and all future claims is the most likely outcome when lying on a health insurance application form, and legal action may be taken in some cases. If you cannot make a claim on your policy, it will serve no useful purpose, so there is no point in purchasing insurance unless you are willing to be completely honest about your medical history. Even if such a policy enables you to enter a country that requires all foreign visitors to have health insurance with pre-existing conditions, you could still be deported if your deception is uncovered. The possibility that your health insurance in Thailand will be invalid without full disclosure is a fact you should always remember.

• Prompt Treatment for Non-Urgent Conditions 

If any of your pre-existing conditions require treatment while you are living and travelling overseas, you will be glad that you purchased a policy that covers them. Health insurance with pre-existing conditions will provide you with access to prompt treatment at top hospitals. Without such insurance, you could be waiting weeks, months, or even years in some cases, for the treatment you require. Whether you want to enjoy a peaceful retirement in Thailand or looking for adventure across Southeast Asia, the fact that health insurance with pre-existing conditions ensures prompt treatment will be very important to you.

• Ability to Live Abroad Without Financial Worries 

The ability to live in Thailand (and travel extensively) without having to worry about healthcare costs is priceless to people with pre-existing conditions. This fact alone makes health insurance with pre-existing conditions for expats a real lifesaver as far as many people are concerned. If you thought your dreams of living in Thailand were over because of health concerns, think again!

When you consider all of these important facts about health insurance with pre-existing conditions, it’s easy to see why such policies are so popular among those who enjoy travelling and living overseas.

Key Takeaways

While health insurance with pre-existing conditions may be somewhat more difficult or more expensive to obtain, it is even more important to have comprehensive coverage in such cases.

Some people are tempted to hide pre-existing conditions to keep costs down, but this is always a mistake. If you ever need the care that your policy is designed to pay for, you definitely won’t need the stress of worrying about whether your insurer will pay for it or not.

In Thailand, it’s not necessary to hide pre-existing conditions because, with policies created specifically for people like you, Pacific Cross Health can meet all your needs at a reasonable price. We offer comprehensive health insurance with pre-existing conditions, including cashless treatment and 24/7 support. Call or message us to find out more about our flexible health insurance in Thailand.