Life & Health Insurance, Travel Insurance ● Feb 26, 2022
Does answering medical questions make your blood pressure go up? When insuring property such as your home or vehicle, it’s easy for most of us to understand and answer the type of questions that are asked by the insurance company. Information like the type of roof on our home or the year, make and model of your vehicle, are the kinds of things that most of us can speak to off the top of our heads.
However, the number and the complexity of questions that insurers ask when providing health insurance can become a lot more difficult to answer unless you are paying close attention at your doctor’s appointments.
The way that insurance companies ask questions to understand your current level of health when writing a travel health policy can vary significantly. Some insurance companies ask for information about the type and number of different medications you take and make determinations accordingly. This may be among the simplest to answer as the prescriptions you keep in your home contain the required information.
Other will ask you about any current medical conditions you are being treated for. They will also want to understand how stable any of these conditions are and if there have been any changes in your treatment.
It is important to be able to answer all of these questions accurately when applying for travel health insurance. In fact, receiving coverage in the event of a claim can depend on it. If you have any uncertainty on how to answer medical questions, take the time to check with your doctor so have all the necessary information to complete the application.
It’s much better to be certain of your coverage before you leave on your trip then incur the risks of not having coverage once you are away from home.
Your broker is there to work with you to make sure you have the coverage you need. They can help you find the best available coverage given your medical history. So, if you have any questions or concerns, be sure to ask for broker for advice on what they would recommend and have them review any exclusions on coverage with you.
Make sure you have the coverage you need so you can enjoy that trip you’ve been planning to the fullest!