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1Cover Travel Insurance Australia

1Cover Medical Issues

Traveling is more fun and enjoyable if there are no extra expenses while on the trip. However, we may inevitably catch some ailments on our way, and in some cases, we need to seek medical assistance especially if it’s an emergency. One way to address this problem is by opting for travel insurance. 1Cover is one of the greatest options among travelers since they offer lower rates (since you don’t need to pay 50% commission fee for agents), and their policy is delivered faster and in a more convenient way (through email or fax).

1Cover travel insurance Australia also informs you of what medical cases are included in their coverage. In order for you to know all about the medical subjects on 1Cover, here is the list of what you should know:

• Pre-Existing Medical Condition – If you’re still new to the term, pre-existing medical condition means that you already know that you have a particular type of disease, or you are experiencing symptoms. It includes people who have dental problems, undergone surgical procedure, a disease that you take medication of, and even pregnancy. These are considered a pre-existing problem. However, you need to undergo screening by the company to confirm these existing conditions before you can avail of the coverage for free.

• Plans to Choose from for Pre-Existing Medical Condition – There are plans from A, B, C, D, E and F. You can choose from their plans like comprehensive, basics, domestics, frequent traveller (international), and frequent traveller (domestic).

• Pregnancy—pregnant mothers can avail of the medical coverage based on their specific conditions. Women who have undergone infertility treatment (and still not getting pregnant) are not covered on any plans. However, if you are pregnant, you are covered in plans A, C, D, E, and F provided that your current gestation period is under 26^th week.Multiple pregnancy (more than 1 baby in the womb) is covered in any plan if you travel before your 19^th week of gestation. Other issues about pregnancy like treatments are only covered when paying for premium.

• Senior Citizens (80 years old and above) – Before 80-year old travelers can avail a plan for medical coverage under this age, they need to complete the form provided in the 1cover travel insurance site. Travelers 80 above have the option to decline or avail of the coverage.

• What Pre-Existing Medical conditions that is not included in the coverage? — here is a quick list of pre-existing medical conditions not included in the insurance:

• terminal illnesses ( given terminal prognosis under 24 months)
• Any type of illness that requires oxygen (while on trip).
• AIDS and other conditions where your immune system has been compromised.
• Undergone organ transplant/ waiting for organ transplants
• Medical Emergency Expenses in the overseas.

It is important to perform a travel insurance compare when it comes to medical issues. You need to make sure that you are already aware of what medical conditions they cover so you will have lesser worries as you go along with your travel.