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Many expats worry that their pre-existing health conditions will prevent them from securing health insurance in their new home. This concern is common, especially given the high cost of medical care. However, there is good news, some health insurance providers, including Cigna, offer plans that cover pre-existing conditions, giving you the peace of mind you need to settle in comfortably abroad. 

This coverage helps protect your savings and ensures fast access to quality healthcare, making it a smart choice for long-term expats.

 

What Qualifies as Pre-Existing Conditions?

A pre-existing condition refers to any health problem that you had before your health insurance policy started. This includes any illness, injury, or medical issue that has been diagnosed or treated prior to the policy’s start date. Insurance providers use this term to refer to conditions that existed before you signed up for the plan, even if the condition happened a long time ago.

Common examples of pre-existing conditions include diabetes, heart disease, asthma, or even injuries that required past treatment. When applying for insurance, it’s crucial to disclose any health issues you’ve experienced, as this information will impact your coverage.

 

Why Don’t Insurance Plans Cover Pre-Existing Conditions Right Away?

 

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When applying for health insurance, you may find that pre-existing conditions are often excluded from coverage initially. This is a common practice in the insurance industry, primarily to help manage risk and keep premiums affordable for everyone.

The main reason for this exclusion is the higher likelihood of future claims. If you have an existing health condition, the insurer anticipates you may need treatment for it, which increases the overall cost.

To balance this risk, many plans will exclude pre-existing conditions for a certain period after you sign up. Some insurance plans, often with simplified plans, exclude these conditions entirely.

 

How Do Expat Insurance Plans Cover Pre-Existing Conditions?

Expat health insurance providers take different approaches when it comes to covering pre-existing conditions. While most plans don’t cover these conditions right away, they offer options to manage them:

  • Waiting Periods: Many plans will cover pre-existing conditions after a waiting period, typically ranging from 12 to 24 months. During this period, you can’t make claims for that specific condition, but once the waiting period ends, coverage for it may be provided.

  • Premium Loading: Some insurers may offer coverage for pre-existing conditions but charge higher premiums. This is called "premium loading." In some cases, the insurer may also limit the coverage or exclude certain treatments related to the condition.

  • Medical History Review: Insurers may require a detailed medical history review, known as medical underwriting, before accepting you into a plan. Based on the review, they may determine if they will cover your pre-existing condition and if the waiting period or higher premium is necessary.

 

Cigna’s plans are designed to offer flexibility for expats, providing options for coverage of pre-existing conditions.

 

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What to Look for in an Expat Health Insurance Plan

 

When selecting an expat health insurance plan, it’s important to consider the following:

  • Clear Coverage for Pre-Existing Conditions: Ensure the plan clearly outlines what counts as a pre-existing condition, what is covered, and what is not.

  • Waiting Period for Coverage: Many plans may cover pre-existing conditions, but only after a waiting period. It’s important to know how long this period lasts and whether the coverage is limited or complete after it ends.

  • Flexibility in Coverage: Choose a plan that allows you to adjust coverage for specific needs, such as dental care, vision care, or chronic illness support.

  • Access to Private Hospitals and Worldwide Coverage: It’s essential to have access to a network of private hospitals. Look for plans that offer private hospital networks and direct billing options, so you don’t need to worry about upfront payments.

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Why Cigna is a Trusted Choice for Expats

Cigna is one of the most trusted health insurance providers for expats. With over two centuries of experience, they have developed a strong reputation for supporting expats with comprehensive and flexible health plans. 

Here’s why Cigna stands out:

  • Customisable Health Plans: Cigna’s plans are tailored to meet the specific needs of expats. When you apply, Cigna reviews your full medical history, providing coverage options based on your health and any pre-existing conditions you have.

  • Global Network of Healthcare Providers: Cigna has a network of over 1.7 million hospitals, clinics, and doctors worldwide. This global coverage ensures that expats can receive quality care no matter where they are.

  • Flexible Plans: Cigna offers multiple coverage options, from the standard Silver plan to the more comprehensive Platinum plan. Each plan is designed to give you the right level of coverage, including hospital visits, long-term care, and mental health support.

  • Direct Billing: With Cigna’s direct billing system, you can avoid upfront payments when visiting private hospitals. They pay hospitals directly, making the process simple and hassle-free.

  • 24/7 Support: Cigna offers reliable customer support, available around the clock. Whether you need assistance with claims or have questions about coverage, Cigna’s team is always available to help.

 

Living as an expat in Thailand comes with many benefits, but securing the right health insurance plan is essential for your wellbeing. For those with pre-existing conditions, don’t worry, you’re not left without options. 

 

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Providers like Cigna offer flexible plans that can cover these conditions, with varying waiting periods or slightly higher premiums depending on your needs.

 

 

 

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Posted

A friend of mine circ 65yo just had his insurance go up 38% lucky him, been with them over 10 years, for those under 10 years their premiums go up 100%, got to love insurance companies 

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