Pre-Existing Medical Conditions
A pre-existing medical condition refers to any condition which you are reasonably aware of and have received medical treatment, diagnosis, advice or have been prescribed drugs in the last 12 months preceding the commencement of your journey. Some common exaASDAKJSDHKJAHSDKJHASKDJmples of pre-existing medical conditions include:
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Asthma |
Cancer |
Diabetes |
Heart Conditions |
Stroke |
Others |
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Coverage Options
Purchasing Coverage:
- Eligibility: You can purchase TravellerShield Plus even if you have pre-existing medical or physical conditions.
- Add-On Benefit: To be covered for your pre-existing conditions, you must select the Pre-Existing Medical Condition Benefit add-on during the application process. An additional premium is required for this benefit.
- Policy Limitations: This benefit is applicable for Single Trip policies of up to 30 days duration and for customers up to the age of 75.
Policy Plans and Add-On:
- The Pre-Existing Medical Condition Benefit must match the plan selected (e.g., if you choose a Platinum Plan, the add-on will also be Platinum).
Flexibility:
- You can add the Pre-Existing Medical Condition Benefit for any insured persons on your policy at an additional premium.
Additional Considerations:
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Adding to Existing Policy: You can add this benefit to an existing TravellerShield Plus policy as long as your request is made before your trip commences. Contact Chubb Customer Service for assistance.
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No Medical Records Needed: You do not need to submit medical records to add this benefit.
Claims and Limitations:
- Trip Cancellation and Disruption: If covered under the Pre-Existing Medical Condition Benefit, the policy provides cover for Journey Cancellation and Travel Disruption for all affected insured persons on the policy, with a 50% co-payment applicable for the insured person with the pre-existing medical condition.
- No Coverage Without Add-On: If you did not add the Pre-Existing Medical Condition Benefit, you will not be covered for situations arising from pre-existing conditions, such as Journey Cancellation or Travel Disruption.\
TravellerShield Plus offers comprehensive travel insurance coverage with specific provisions for pre-existing medical conditions through an add-on benefit. Ensure you select this add-on during the application process to get coverage for your pre-existing conditions, subject to certain limitations and exclusions.