What is an Acute Onset of Pre-Existing Condition?
Pre-Existing Conditions are medical conditions which exist before a visitors insurance policy become effective. These conditions can be diagnosed (such as diabetes, or high blood pressure), or undiagnosed.
Unlike INF Plans, which cover all Pre-Existing Conditions, most other visitors insurance only cover the Acute Onset of pre-existing conditions. Acute onset of a pre-existing condition can be defined as: The sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 12 hours of exhibiting first symptoms.
To better explain this definition, let us take you through the following illustrations:
Asha Singh is 57 years old and lives in Mumbai. She has a taste for adventure and loves to stay active. Asha is traveling to the United States to visit her daughter, Tina, for the first time in 3 years. Asha readily packs her clothes, and of course, presents for her daughter and their friends in Atlanta. Asha neglects to visit a doctor before traveling, certain her active lifestyle would negate the need for a health check up.
Asha arrives in Atlanta,and is excited to see her daughter. Tina, mindful of Asha's age, purchases the INF Choice Plan with pre-existing condition coverage- just in case anything happens. Asha is staying for a few months, and keeps up her healthy lifestyle by gardening.
One day, after a few hours outside in the garden, Asha begins to feel weak and is taken to the hospital. The doctor orders a blood test and finds Asha's blood sugar level is very low. Asha is diagnosed with Type 1 Diabetes.
Thankfully, Tina purchased the INF Choice plan which covers acute onset episodes such as this, and was covered for the incident. No matter what your parents tell you about their health- do not take any risks!
Rajeev Patel is a grandfather living in Ahmedabad. He is 75 years old and has elevated blood pressure. Rajeev is traveling to the United States to see his granddaughters college graduation. Before he travels, he visits his doctors for a full check up. The doctor notes Rajeev has higher than usual blood pressue, and advises him to keep a diet & walk 3-4 miles per day to keep his heart health.
After a week or so Rajeev lands in San Jose, excited to see his granddaughter graduate. During the festivities, Rajeev participates in a Bhangra dance. Afterwards, he feels light headed and a pain in his chest. His left arm feels numb. Rajeev is rushed to the hospital & treated for a heart attack.
Luckily, because Rajeev is covered with the INF Advantage Plan, he is covered for this emergency, in-patient hospitalization. Because this heart attack was caused by elevated BP and happened suddenly, this would be covered underneath the INF Advantage Plan.
Shylesh Shetty is a 62 year old heart-patient & lives in Bangalore. Shylesh maintains a proper diet, takes his medication regularly, and checks his blood pressure daily. Shylesh is traveling to the USA for a technology conference and a tour of the East Coast which will take 4 weeks.
Shylesh purchases the INF Advantage Plan in the off-chance something may happen. After Shylesh arrives in the USA, his bags are still in India after a mishap at the airport. Because he is traveling almost daily, he does not have access to his bags, nor medication or heart monitoring equipment.
After a few weeks of travel, Shylesh begins to feel heart pain, and visits an In-Network Emergency room near Washington, D.C. The doctors keep Shylesh in observation and release him after a few days.
Shylesh is relieved he purchased the INF Advantage Plan. His medical bills are directly billed to insurance, and his out-of-pocket expense is limited to the deductible. Although Shylesh was not taking his medication, he is still covered with the INF Advantage Plan.