Pre-Existing Medical Conditions
Pre-Existing Medical Conditions
Coverage Options
Purchasing Coverage:
- Eligibility: You can purchase Traveller Protection 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 Traveller Protection Plus policy as long as your request is made before your trip commences. Contact NICECover 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.\
Traveller Protection 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.