Travel Insurance for pre existing medical conditions
The use of medical screening software integrated into call centres and the increasingly complex computer systems used by specialist travel insurance companies has grown dramatically over the last few years. Most major insurers, including World First travel insurance, now utilise some form of medical screening or risk assessment tool such as those provided by third party software houses including Travel and Medical Insurance Services Ltd (TAMIS), Healix IT (used by Preferential Travel Insurance and Holiday Extras) and Medi-Quote Expert (used by Columbus International and Club Direct Insurance).
These software programmes are used to help insurers control ane better consider risk. Medical screening is seen as a cost effective solution and allows companies who offer pre existing medical conditions travel insurance to better understand and cover more people with pre-existing medical conditions. It also helps record a
declaration from clients, which ensures there are no problems with what is and, more importantly, what is not covered in the event of a claim.
But what does travel insurance medical screening for pre-existing conditions mean for you as an excited traveller when you want to go on holiday, perhaps to visit family and friends, or any other sort of overseas trip or travel when you cannot find worldwide travel insurance? What if you have pre existing medical conditions and a history of health issues which, for obvious reasons, you want to ensure will be covered by your policy?
When you telephone an insurance company looking to insure your holiday they should almost always be able to offer you a travel insurance quote for a basic policy, perhaps even cheap annual travel insurance cover, without medical conditions being covered. Then, once it has been determined that you want or need to cover your medical problems (you may be taking medication, seeing your Doctor regularly or have been hospitalised in the last 12 months), you will be asked some more in-depth questions specific to your medical conditions. This is where we think the fun starts, because it’s also where we like to think World First Travel insurance start to shine.
Our medical screening process is straightforward and easy to be taken through whether online or by phone. Our clients tell us the procedure is “clear, helpful, sympathetic and very professional throughout”, and that is before you realise that even with medical cover we can still offer you cheap travel insurance with some of the best policy features available in the market. If you have questions about travel insurance, then we are always willing and try to do our best to give you the right answer.
Over 75% of the travel insurance we issue is extended to include cover for people pre existing medical conditions and providing the right insurance for these speciality risks is something we are very proud to do well. We have invested heavily, time and money, plus some tears, into developing the best possible systems for our staff to use and for our website visitors to experience. We don’t always guarantee to be the cheapest travel insurance, but when it comes to providing cover for conditions including cancer travel insurance, HIV, osteoporosis, angina, heart conditions and 1000’s of other health problems we hope we will be able to assist.
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