I need to locate companies offering health insurance including
existing medical conditions. It's for a person living in Argentina
(South America), who has a stable heart condition, and wants to make a
trip to Switzerland for about 2 months (or up to 3 months). He is
taking anticoagulants, antihypertensive and antidiabetic drugs.
Thank you!
tateti |
Clarification of Question by
tateti-ga
on
27 Sep 2005 11:00 PDT
What I am looking for is a travel health insurance covering the
abovementioned existing medical conditions.
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Request for Question Clarification by
aliciadenney-ga
on
29 Sep 2005 09:16 PDT
Hello, again, Tateti!
Is this person over the age of 60?
|
Clarification of Question by
tateti-ga
on
29 Sep 2005 12:42 PDT
Hi aliciadenney. Yes, he is 66 years old.
More details on the conditions:
Non-insulin dependent diabetes (type II diabetes mellitus)
Hypertension (stable and under control with medicines).
Coronary disease severe with angioplasty and stent surgery (circunflex artery)
in 2001.
Last hospitalization because of unstable angina: December 2004.
Heart infarction in 2004 (inferior-basal) Good ventricular function. Good
systolic function. SPECT 8/2004: inferior-basal necrosis. Normal perfusion
in the rest of the cardiac muscle. No ischemia.
Medicines: acenocumarol (Sintrom), atenolol, enalapril, nimodipine, metformin,
glimepiride. He also takes 100 mg acetylsalicylic acid (aspirin) and a
hypolipemiant
product per day.
He can walk normally and climb stairs without difficulty. He is currently
stable, with no recent changes in medications or treatment.
Thank you for your interest in answering this question.
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Request for Question Clarification by
aliciadenney-ga
on
29 Sep 2005 13:22 PDT
I'm sorry to request another clarification. I have been calling
around for you and have found a company that is willing to cover you
with your pre-existing heart condition, as long as you disclose it in
your application. The problem is, your pre-existing condition will be
excluded from coverage. As you have stated that this condition is
stable, would this type of coverage be acceptable?
I have found others that WILL cover your condition, but you'd have to
buy into their plan for six months before they will start covering
your pre-existing.
Please let me know what you think about all of this information.
I, too, have a pre-existing condition. It really isn't nice to feel
discriminated against.
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Clarification of Question by
tateti-ga
on
30 Sep 2005 14:20 PDT
Dear aliciadenney,
Thank you for your research, and please note that there's no problem
for me to be requested a clarification. On the contrary, I am willing
to provide as much info as possible.
Regarding the first company you mention, I would discard it. As you
mentioned, they are not really covering a person + (plus, including) a
pre-existing condition, but a person WITHOUT (that is, excluding) the
pre-existing condition. I have found many companies like this one,
and I am not interested on their services.
But I am interested on the other type of companies you found. It is
not a problem for me that they require a 6 month membership or fees (I
hope that their monthly fees are not too high...). Please, go ahead
with your research on these companies that require to buy into their
plan for six months before they will start covering your pre-existing
condition.
Thank you for your effort and help.
Best wishes,
tateti
PS: the coverage is not for me but for my father. I would love that he
could come to visit me...
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