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How to get Travel Insurance For Cancer Patient

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The purpose of Travel insurance is simple, to compensate you for any unexpected expenses that may occur, especially medical expenses. Mainstream insurance agencies are reluctant to cover cancer patients or anyone with a pre-existing medical condition. The reasoning behind this is because they are seen as more of risk thus likelier to make a travel insurance claim .

This situation leaves you with two options if you or your loved ones are struggling from a medical condition and still have the courage and desire to travel.

  1. Majority of the insurers will exclude coverage of any claims relating to cancer or pre-existing medical conditions
  2. Specialist insurance agencies offer coverage, but their requirement is you pay a higher premium as you have a greater chance of submitting a claim.

When planning a vacation, you should follow these steps:

Step 1. Discuss your plans with your doctor – it is unlikely any agency will provide you with travel insurance without a recommendation letter or certificate from your physician, clearly stating you are fit to travel

Step 2. Do some proactive scoping and make informal enquires on-the-sly from all potential companies before you make up your mind. Some insurance agencies will inquire if other insurers have refused you it may make them prejudiced against your case - and they could increase the cost of your Travel Insurance.

Step 3. Read your policy thoroughly – reading between the lines – to ensure that if there is an extra premium to be paid you do so directly to the medical screening line.

Step 4. If you require any special equipment to move about(wheelchair) or to breathe(respirator) check with your insurer that the insurance will cover any damages to it as well.

Even with the best possible Health insurance, it is better to take some extra precautions rather than go through the hassle of submitting a travel insurance claim. Here are a few risks that can help you avoid the pitfalls of fate:

  • Risk of Infection – If you are undergoing chemotherapy, the risk of infection is significantly higher. Wear a surgical mask whenever in transit – from your home to when you put your bags down in the hotel room
  • Flying Restrictions – Due to the changes in air pressure at high altitudes and lack of oxygen; air travel is not recommended for ten days after surgery. You may be risking Lymphedema, or swelling in your extremities if you’ve had lymph nodes removed.
  • Risk of Blood Clots – Thrombosis, or commonly known as blood-clots are potentially life-threatening and form when a person with cancer remains seated for extended periods. Extended trips via flights may be an avoidable disaster in the making, so ensure your doctor says it is safe for you to take direct flights around the world.
  • Low Stamina – Recuperating post-chemotherapy or recovery from an Epileptic attack (pre-medical condition) results in a complete depletion of stamina. If you push your body beyond its ability to sustain - you will face severe fatigue, bed-rest and compromise your future health.

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Disclaimer : The information published on this website is for the public's reference only. Content of this information is to provide an overview of your Travel needs and should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice. Bharti AXA General Insurance Company Limited makes no representations about the suitability, reliability, timeliness, and accuracy of the information, travel, services, or any other items mentioned on this subject for any purpose whatsoever.

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