I’m planning to buy international travel insurance and have a few pre-existing conditions. Can a travel insurance company ask for my medical records before or during the policy period?
Yes, in some instances travel insurance agencies may demand to see medical records and this usually happens during occasions where your claim relates to a medical condition or predisposing illness. Although insurers do not normally demand medical records when an individual is taking the policy, they would demand the records later-- most likely in the course of making claims.
At what time can the insurers request the medical records?
1. During the Claims Process:
The insurer can request your medical history, reports made by your doctor or treatment records in case you submit a claim based on illness, accident or hospitalisation:
- The severity of the condition
- Whether it was pre-existing
- If the treatment was necessary and covered
2. When Pre-Existing Conditions Are Involved:
In the case of Pre-Existing Conditions, the use of the exclusion period on the healthcare plan equals the underwriting period.
In case your insurance plan covers pre-existing conditions, then the insurer can demand evidence of stability or may demand some documents other than the evidence about your being stable before the trip.
3. If There’s a Dispute or Misrepresentation:
Assuming that the insurer feels that you gave him incomplete or untruthful information he can go over your medical records to determine whether you have committed fraud or have shown non disclosure.
Do You Have to Provide Records on Purchase?
The purchase is in most cases, not subject to any tests or medical documentation particularly in regards to travellers below an age bracket (e.g., below 60 years). Nonetheless, it is worth mentioning all current circumstances as a way of preventing the denial of claims.
Yes, travel insurance companies can ask for your medical records, especially if you have pre-existing conditions or file a related claim.
Usually, they won’t ask for documents when you buy the policy. You just need to declare your health status honestly. But if you make a claim during the trip, they might request past medical records or doctor reports to check if it was a pre-existing issue.
If your condition is stable and disclosed, some insurers may still cover it. Just be honest during the application to avoid claim issues later.